Home > Citizens Bank and Trust Company > Performance and Condition Ratios
Citizens Bank and Trust Company, Performance and Condition Ratios
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5128% | 3,043 |
| Cost of funding earning assets | 0.3341% | 2,596 |
| Net interest margin | 3.1787% | 2,932 |
| Noninterest income to average assets | 1.0900% | 554 |
| Noninterest expense to average assets | 3.1200% | 811 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 0.7053% | 3,609 |
| Return on assets (ROA) | 0.7053% | 3,551 |
| Pretax return on assets | 0.9186% | 3,301 |
| Return on Equity (ROE) | 7.5700% | 3,496 |
| Retained earnings to average equity (ytd only) | 4.2228% | 3,322 |
| Net charge-offs to loans | -0.0160% | 3,987 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.7278% | 866 |
| Assets per employee ($millions) | 5.7326% | 3,002 |
| Cash dividends to net income (ytd only)* | 44.2365% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 1,944 |
| Loan loss allowance to noncurrent loans | 739.6088% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.6984% | 690 |
| Noncurrent loans to loans | 0.1746% | 2,609 |
| Net loans and leases to total assets | 47.7500% | 3,685 |
| Net loans and leases to deposits | 55.1555% | 3,618 |
| Net loans and leases to core deposits | 56.0934% | 3,714 |
| Total domestic deposits to total assets | 86.5700% | 2,545 |
| Equity capital to assets | 9.4390% | 2,057 |
| Core capital (leverage) ratio | 9.9506% | 2,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8718% | 997 |
| Memoranda: | ||
| Average total assets | $992,604,000 | 985 |
| Average earning assets | $909,876,400 | 986 |
| Average equity | $92,449,600 | 1,001 |
| Average total loans | $467,681,200 | 1,235 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1676% | 3,517 |
| Cost of funding earning assets | 0.2198% | 3,039 |
| Net interest margin | 2.9478% | 3,364 |
| Noninterest income to average assets | 0.9800% | 698 |
| Noninterest expense to average assets | 2.6462% | 1,606 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8114% | 3,209 |
| Return on assets (ROA) | 0.8114% | 3,177 |
| Pretax return on assets | 1.0401% | 2,901 |
| Return on Equity (ROE) | 8.7400% | 3,103 |
| Retained earnings to average equity (ytd only) | 5.3648% | 2,968 |
| Net charge-offs to loans | -0.0203% | 3,998 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.4947% | 1,591 |
| Assets per employee ($millions) | 5.7808% | 2,949 |
| Cash dividends to net income (ytd only)* | 38.6210% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 1,618 |
| Loan loss allowance to noncurrent loans | 699.6728% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.7387% | 688 |
| Noncurrent loans to loans | 0.1996% | 2,606 |
| Net loans and leases to total assets | 45.5700% | 3,787 |
| Net loans and leases to deposits | 52.1392% | 3,721 |
| Net loans and leases to core deposits | 53.0471% | 3,806 |
| Total domestic deposits to total assets | 87.3900% | 2,626 |
| Equity capital to assets | 9.0825% | 2,151 |
| Core capital (leverage) ratio | 9.7892% | 2,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2415% | 957 |
| Memoranda: | ||
| Average total assets | $998,554,500 | 989 |
| Average earning assets | $917,937,000 | 986 |
| Average equity | $92,700,750 | 1,018 |
| Average total loans | $467,445,250 | 1,236 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6939% | 4,151 |
| Cost of funding earning assets | 0.1470% | 3,617 |
| Net interest margin | 2.5470% | 4,006 |
| Noninterest income to average assets | 0.9988% | 668 |
| Noninterest expense to average assets | 2.6689% | 1,462 |
| Loan and lease loss provision to assets | 0.0058% | 2,496 |
| Net operating income to assets | 0.5274% | 3,825 |
| Return on assets (ROA) | 0.5274% | 3,778 |
| Pretax return on assets | 0.6674% | 3,659 |
| Return on Equity (ROE) | 5.6407% | 3,673 |
| Retained earnings to average equity (ytd only) | 0.6203% | 4,072 |
| Net charge-offs to loans | -0.0281% | 4,019 |
| Credit loss provision to net charge-offs | -43.9394% | 3,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6828% | 968 |
| Assets per employee ($millions) | 5.5801% | 3,142 |
| Cash dividends to net income (ytd only)* | 89.0027% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3555% | 1,936 |
| Loan loss allowance to noncurrent loans | 95.0886% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.3162% | 301 |
| Noncurrent loans to loans | 1.4255% | 529 |
| Net loans and leases to total assets | 46.5511% | 3,675 |
| Net loans and leases to deposits | 52.8491% | 3,621 |
| Net loans and leases to core deposits | 53.7159% | 3,708 |
| Total domestic deposits to total assets | 88.0831% | 2,542 |
| Equity capital to assets | 8.9480% | 2,415 |
| Core capital (leverage) ratio | 9.7296% | 2,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2669% | 1,132 |
| Memoranda: | ||
| Average total assets | $999,972,667 | 980 |
| Average earning assets | $919,994,667 | 987 |
| Average equity | $93,498,667 | 1,015 |
| Average total loans | $470,098,667 | 1,224 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4803% | 4,289 |
| Cost of funding earning assets | 0.1294% | 3,783 |
| Net interest margin | 2.3509% | 4,148 |
| Noninterest income to average assets | 1.0214% | 658 |
| Noninterest expense to average assets | 2.6098% | 1,575 |
| Loan and lease loss provision to assets | 0.0044% | 2,230 |
| Net operating income to assets | 0.4534% | 3,838 |
| Return on assets (ROA) | 0.4534% | 3,804 |
| Pretax return on assets | 0.5713% | 3,702 |
| Return on Equity (ROE) | 4.7467% | 3,687 |
| Retained earnings to average equity (ytd only) | -5.0774% | 4,423 |
| Net charge-offs to loans | -0.0034% | 3,227 |
| Credit loss provision to net charge-offs | -275.0000% | 3,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7395% | 1,002 |
| Assets per employee ($millions) | 5.6607% | 3,162 |
| Cash dividends to net income (ytd only)* | 206.9665% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 2,114 |
| Loan loss allowance to noncurrent loans | 91.3963% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.3012% | 312 |
| Noncurrent loans to loans | 1.4774% | 564 |
| Net loans and leases to total assets | 44.9922% | 3,658 |
| Net loans and leases to deposits | 51.1792% | 3,633 |
| Net loans and leases to core deposits | 52.1888% | 3,718 |
| Total domestic deposits to total assets | 87.9110% | 2,566 |
| Equity capital to assets | 8.9978% | 2,710 |
| Core capital (leverage) ratio | 9.1917% | 3,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2551% | 1,200 |
| Memoranda: | ||
| Average total assets | $1,000,543,500 | 982 |
| Average earning assets | $921,001,000 | 996 |
| Average equity | $95,560,500 | 1,017 |
| Average total loans | $469,470,000 | 1,219 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7521% | 4,260 |
| Cost of funding earning assets | 0.1738% | 3,729 |
| Net interest margin | 2.5783% | 4,079 |
| Noninterest income to average assets | 0.9098% | 1,176 |
| Noninterest expense to average assets | 2.8027% | 1,356 |
| Loan and lease loss provision to assets | -0.2559% | 4,750 |
| Net operating income to assets | 0.5853% | 3,910 |
| Return on assets (ROA) | 0.7301% | 3,604 |
| Pretax return on assets | 0.9209% | 3,451 |
| Return on Equity (ROE) | 7.1844% | 3,465 |
| Retained earnings to average equity (ytd only) | -3.1394% | 4,659 |
| Net charge-offs to loans | 0.0516% | 1,295 |
| Credit loss provision to net charge-offs | -948.5185% | 3,908 |
| Earnings coverage of net charge-offs (x) | 17.8519% | 1,927 |
| Efficiency ratio | 85.1562% | 506 |
| Assets per employee ($millions) | 5.4250% | 3,329 |
| Cash dividends to net income (ytd only)* | 143.6978% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3349% | 2,209 |
| Loan loss allowance to noncurrent loans | 90.9301% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.4651% | 286 |
| Noncurrent loans to loans | 1.4681% | 624 |
| Net loans and leases to total assets | 47.6549% | 3,525 |
| Net loans and leases to deposits | 55.1432% | 3,501 |
| Net loans and leases to core deposits | 56.3231% | 3,593 |
| Total domestic deposits to total assets | 86.4203% | 2,752 |
| Equity capital to assets | 10.1311% | 2,536 |
| Core capital (leverage) ratio | 9.4601% | 2,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3861% | 1,181 |
| Memoranda: | ||
| Average total assets | $1,000,791,800 | 958 |
| Average earning assets | $921,682,600 | 964 |
| Average equity | $101,705,800 | 1,000 |
| Average total loans | $523,151,400 | 1,124 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7835% | 4,316 |
| Cost of funding earning assets | 0.1880% | 3,728 |
| Net interest margin | 2.5955% | 4,137 |
| Noninterest income to average assets | 0.9182% | 1,222 |
| Noninterest expense to average assets | 2.7285% | 1,516 |
| Loan and lease loss provision to assets | -0.2551% | 4,800 |
| Net operating income to assets | 0.6635% | 3,859 |
| Return on assets (ROA) | 0.8554% | 3,437 |
| Pretax return on assets | 1.0798% | 3,243 |
| Return on Equity (ROE) | 8.4113% | 3,280 |
| Retained earnings to average equity (ytd only) | -5.2603% | 4,787 |
| Net charge-offs to loans | -0.0308% | 4,143 |
| Credit loss provision to net charge-offs | 1,554.0323% | 389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2539% | 619 |
| Assets per employee ($millions) | 5.4851% | 3,215 |
| Cash dividends to net income (ytd only)* | 162.5387% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 1,912 |
| Loan loss allowance to noncurrent loans | 84.9043% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.5861% | 305 |
| Noncurrent loans to loans | 1.6799% | 600 |
| Net loans and leases to total assets | 50.1476% | 3,398 |
| Net loans and leases to deposits | 57.6583% | 3,436 |
| Net loans and leases to core deposits | 58.9215% | 3,556 |
| Total domestic deposits to total assets | 86.9739% | 2,360 |
| Equity capital to assets | 9.8248% | 3,084 |
| Core capital (leverage) ratio | 9.3721% | 3,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2989% | 1,540 |
| Memoranda: | ||
| Average total assets | $1,006,866,000 | 971 |
| Average earning assets | $927,873,000 | 976 |
| Average equity | $102,399,750 | 1,012 |
| Average total loans | $536,028,250 | 1,128 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8266% | 4,315 |
| Cost of funding earning assets | 0.2095% | 3,658 |
| Net interest margin | 2.6171% | 4,136 |
| Noninterest income to average assets | 0.9940% | 1,082 |
| Noninterest expense to average assets | 2.7594% | 1,444 |
| Loan and lease loss provision to assets | -0.2139% | 4,776 |
| Net operating income to assets | 0.6811% | 3,803 |
| Return on assets (ROA) | 0.9729% | 3,069 |
| Pretax return on assets | 1.2216% | 2,854 |
| Return on Equity (ROE) | 9.4588% | 2,963 |
| Retained earnings to average equity (ytd only) | -10.8349% | 4,877 |
| Net charge-offs to loans | 0.0118% | 1,722 |
| Credit loss provision to net charge-offs | -3,362.5000% | 3,925 |
| Earnings coverage of net charge-offs (x) | 101.0625% | 746 |
| Efficiency ratio | 80.9349% | 728 |
| Assets per employee ($millions) | 5.3743% | 3,265 |
| Cash dividends to net income (ytd only)* | 214.5484% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 1,609 |
| Loan loss allowance to noncurrent loans | 85.3433% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 1.7135% | 285 |
| Noncurrent loans to loans | 1.7504% | 598 |
| Net loans and leases to total assets | 52.8934% | 3,267 |
| Net loans and leases to deposits | 61.0440% | 3,297 |
| Net loans and leases to core deposits | 62.5553% | 3,414 |
| Total domestic deposits to total assets | 86.6480% | 2,490 |
| Equity capital to assets | 9.8280% | 3,029 |
| Core capital (leverage) ratio | 9.0910% | 3,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7238% | 1,715 |
| Memoranda: | ||
| Average total assets | $1,006,071,333 | 960 |
| Average earning assets | $925,846,667 | 969 |
| Average equity | $103,480,667 | 995 |
| Average total loans | $543,558,333 | 1,118 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8468% | 4,317 |
| Cost of funding earning assets | 0.2394% | 3,566 |
| Net interest margin | 2.6073% | 4,133 |
| Noninterest income to average assets | 1.0748% | 1,018 |
| Noninterest expense to average assets | 2.5677% | 1,966 |
| Loan and lease loss provision to assets | 0.0036% | 2,704 |
| Net operating income to assets | 0.7301% | 3,631 |
| Return on assets (ROA) | 1.0348% | 2,777 |
| Pretax return on assets | 1.2749% | 2,638 |
| Return on Equity (ROE) | 9.8435% | 2,750 |
| Retained earnings to average equity (ytd only) | 9.8435% | 1,698 |
| Net charge-offs to loans | 0.0154% | 1,436 |
| Credit loss provision to net charge-offs | 42.8571% | 1,340 |
| Earnings coverage of net charge-offs (x) | 108.4286% | 588 |
| Efficiency ratio | 73.8237% | 1,330 |
| Assets per employee ($millions) | 5.4168% | 3,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6619% | 1,142 |
| Loan loss allowance to noncurrent loans | 87.1236% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.6776% | 342 |
| Noncurrent loans to loans | 1.9075% | 584 |
| Net loans and leases to total assets | 52.1259% | 3,436 |
| Net loans and leases to deposits | 60.1096% | 3,471 |
| Net loans and leases to core deposits | 61.7455% | 3,594 |
| Total domestic deposits to total assets | 86.7181% | 2,434 |
| Equity capital to assets | 10.2834% | 2,446 |
| Core capital (leverage) ratio | 9.9780% | 2,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8156% | 1,354 |
| Memoranda: | ||
| Average total assets | $1,009,299,000 | 948 |
| Average earning assets | $927,225,000 | 953 |
| Average equity | $106,100,000 | 964 |
| Average total loans | $546,963,000 | 1,115 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4904% | 4,046 |
| Cost of funding earning assets | 0.5843% | 2,418 |
| Net interest margin | 2.9061% | 4,095 |
| Noninterest income to average assets | 0.8716% | 1,345 |
| Noninterest expense to average assets | 2.8765% | 1,745 |
| Loan and lease loss provision to assets | 0.3502% | 988 |
| Net operating income to assets | 0.2432% | 4,510 |
| Return on assets (ROA) | 0.2815% | 4,523 |
| Pretax return on assets | 0.3412% | 4,501 |
| Return on Equity (ROE) | 2.6656% | 4,446 |
| Retained earnings to average equity (ytd only) | -0.2809% | 4,561 |
| Net charge-offs to loans | 0.1354% | 1,194 |
| Credit loss provision to net charge-offs | 413.7255% | 1,403 |
| Earnings coverage of net charge-offs (x) | 7.6176% | 2,679 |
| Efficiency ratio | 81.5169% | 777 |
| Assets per employee ($millions) | 5.2063% | 3,143 |
| Cash dividends to net income (ytd only)* | 110.5380% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6729% | 1,097 |
| Loan loss allowance to noncurrent loans | 85.1862% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 1.7895% | 346 |
| Noncurrent loans to loans | 1.9638% | 597 |
| Net loans and leases to total assets | 54.5114% | 3,445 |
| Net loans and leases to deposits | 63.3490% | 3,489 |
| Net loans and leases to core deposits | 65.2762% | 3,604 |
| Total domestic deposits to total assets | 86.0494% | 2,344 |
| Equity capital to assets | 10.7528% | 2,476 |
| Core capital (leverage) ratio | 10.0782% | 2,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3288% | 1,436 |
| Memoranda: | ||
| Average total assets | $964,151,200 | 907 |
| Average earning assets | $879,042,600 | 925 |
| Average equity | $101,814,400 | 950 |
| Average total loans | $602,733,000 | 972 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5789% | 4,068 |
| Cost of funding earning assets | 0.6591% | 2,277 |
| Net interest margin | 2.9198% | 4,144 |
| Noninterest income to average assets | 0.8836% | 1,272 |
| Noninterest expense to average assets | 2.8668% | 1,782 |
| Loan and lease loss provision to assets | 0.4666% | 668 |
| Net operating income to assets | 0.1778% | 4,624 |
| Return on assets (ROA) | 0.2303% | 4,585 |
| Pretax return on assets | 0.2749% | 4,572 |
| Return on Equity (ROE) | 2.1914% | 4,526 |
| Retained earnings to average equity (ytd only) | -1.7761% | 4,686 |
| Net charge-offs to loans | 0.1526% | 958 |
| Credit loss provision to net charge-offs | 475.4958% | 1,323 |
| Earnings coverage of net charge-offs (x) | 6.9193% | 2,614 |
| Efficiency ratio | 80.6774% | 825 |
| Assets per employee ($millions) | 5.0923% | 3,122 |
| Cash dividends to net income (ytd only)* | 181.0501% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5113% | 1,349 |
| Loan loss allowance to noncurrent loans | 220.9252% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 1.1027% | 948 |
| Noncurrent loans to loans | 0.6841% | 2,080 |
| Net loans and leases to total assets | 59.5739% | 3,271 |
| Net loans and leases to deposits | 68.8022% | 3,408 |
| Net loans and leases to core deposits | 71.5818% | 3,514 |
| Total domestic deposits to total assets | 86.5872% | 1,819 |
| Equity capital to assets | 10.2871% | 2,975 |
| Core capital (leverage) ratio | 9.7988% | 2,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8708% | 1,870 |
| Memoranda: | ||
| Average total assets | $959,191,000 | 907 |
| Average earning assets | $874,557,000 | 913 |
| Average equity | $100,816,250 | 948 |
| Average total loans | $617,037,750 | 949 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7907% | 3,882 |
| Cost of funding earning assets | 0.7329% | 2,216 |
| Net interest margin | 3.0577% | 3,993 |
| Noninterest income to average assets | 0.9058% | 1,156 |
| Noninterest expense to average assets | 2.9857% | 1,613 |
| Loan and lease loss provision to assets | 0.7062% | 390 |
| Net operating income to assets | -0.0052% | 4,781 |
| Return on assets (ROA) | 0.0798% | 4,733 |
| Pretax return on assets | 0.0899% | 4,734 |
| Return on Equity (ROE) | 0.7531% | 4,717 |
| Retained earnings to average equity (ytd only) | -5.2560% | 4,781 |
| Net charge-offs to loans | 0.1844% | 822 |
| Credit loss provision to net charge-offs | 583.0123% | 1,127 |
| Earnings coverage of net charge-offs (x) | 5.7846% | 2,490 |
| Efficiency ratio | 80.8263% | 830 |
| Assets per employee ($millions) | 5.0187% | 3,153 |
| Cash dividends to net income (ytd only)* | 797.8723% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4487% | 1,413 |
| Loan loss allowance to noncurrent loans | 541.1492% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.8762% | 1,406 |
| Noncurrent loans to loans | 0.2677% | 3,419 |
| Net loans and leases to total assets | 63.8307% | 2,904 |
| Net loans and leases to deposits | 73.8161% | 3,095 |
| Net loans and leases to core deposits | 76.9101% | 3,205 |
| Total domestic deposits to total assets | 86.4726% | 1,813 |
| Equity capital to assets | 10.2069% | 3,010 |
| Core capital (leverage) ratio | 10.1100% | 2,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1395% | 2,122 |
| Memoranda: | ||
| Average total assets | $942,826,667 | 898 |
| Average earning assets | $857,365,667 | 911 |
| Average equity | $99,847,333 | 948 |
| Average total loans | $619,420,000 | 941 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0408% | 3,671 |
| Cost of funding earning assets | 0.8404% | 2,168 |
| Net interest margin | 3.2005% | 3,849 |
| Noninterest income to average assets | 0.9919% | 876 |
| Noninterest expense to average assets | 3.1389% | 1,547 |
| Loan and lease loss provision to assets | 0.1400% | 1,988 |
| Net operating income to assets | 0.4703% | 3,969 |
| Return on assets (ROA) | 0.6257% | 3,587 |
| Pretax return on assets | 0.8123% | 3,380 |
| Return on Equity (ROE) | 5.7946% | 3,391 |
| Retained earnings to average equity (ytd only) | -6.3195% | 4,603 |
| Net charge-offs to loans | 0.0804% | 1,223 |
| Credit loss provision to net charge-offs | 263.1148% | 1,259 |
| Earnings coverage of net charge-offs (x) | 14.2049% | 1,608 |
| Efficiency ratio | 80.4299% | 1,098 |
| Assets per employee ($millions) | 4.6149% | 3,110 |
| Cash dividends to net income (ytd only)* | 209.0592% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1009% | 3,196 |
| Loan loss allowance to noncurrent loans | 275.1118% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 1.0838% | 1,205 |
| Noncurrent loans to loans | 0.4002% | 3,054 |
| Net loans and leases to total assets | 64.5562% | 2,996 |
| Net loans and leases to deposits | 74.0804% | 3,267 |
| Net loans and leases to core deposits | 77.3298% | 3,398 |
| Total domestic deposits to total assets | 87.1434% | 1,493 |
| Equity capital to assets | 10.2986% | 3,521 |
| Core capital (leverage) ratio | 10.8667% | 2,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0849% | 2,248 |
| Memoranda: | ||
| Average total assets | $917,390,500 | 897 |
| Average earning assets | $832,006,000 | 908 |
| Average equity | $99,058,000 | 950 |
| Average total loans | $607,325,500 | 934 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4716% | 3,034 |
| Cost of funding earning assets | 0.8864% | 2,252 |
| Net interest margin | 3.5852% | 3,182 |
| Noninterest income to average assets | 1.0302% | 907 |
| Noninterest expense to average assets | 3.2230% | 1,468 |
| Loan and lease loss provision to assets | 0.0139% | 3,733 |
| Net operating income to assets | 0.7980% | 3,562 |
| Return on assets (ROA) | 0.8326% | 3,535 |
| Pretax return on assets | 1.0862% | 3,214 |
| Return on Equity (ROE) | 7.3176% | 3,437 |
| Retained earnings to average equity (ytd only) | -0.3443% | 4,746 |
| Net charge-offs to loans | 0.1732% | 1,166 |
| Credit loss provision to net charge-offs | 11.5496% | 3,350 |
| Earnings coverage of net charge-offs (x) | 8.7469% | 2,736 |
| Efficiency ratio | 75.2750% | 1,450 |
| Assets per employee ($millions) | 4.3792% | 3,405 |
| Cash dividends to net income (ytd only)* | 104.7047% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 2,986 |
| Loan loss allowance to noncurrent loans | 381.7442% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 1.0594% | 1,172 |
| Noncurrent loans to loans | 0.2866% | 3,413 |
| Net loans and leases to total assets | 66.4430% | 2,900 |
| Net loans and leases to deposits | 77.0706% | 3,087 |
| Net loans and leases to core deposits | 81.6547% | 3,163 |
| Total domestic deposits to total assets | 86.2105% | 1,977 |
| Equity capital to assets | 11.3239% | 2,682 |
| Core capital (leverage) ratio | 11.3406% | 2,222 |
| Tier 1 risk-based capital ratio | 13.7322% | 3,396 |
| Total risk-based capital ratio | 14.6586% | 3,455 |
| Memoranda: | ||
| Average total assets | $860,337,600 | 918 |
| Average earning assets | $779,703,400 | 930 |
| Average equity | $97,887,600 | 912 |
| Average total loans | $599,784,000 | 911 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5331% | 2,952 |
| Cost of funding earning assets | 0.8904% | 2,275 |
| Net interest margin | 3.6427% | 3,121 |
| Noninterest income to average assets | 1.0332% | 870 |
| Noninterest expense to average assets | 3.2591% | 1,356 |
| Loan and lease loss provision to assets | 0.0141% | 3,623 |
| Net operating income to assets | 0.8126% | 3,636 |
| Return on assets (ROA) | 0.8592% | 3,560 |
| Pretax return on assets | 1.1221% | 3,233 |
| Return on Equity (ROE) | 7.5422% | 3,491 |
| Retained earnings to average equity (ytd only) | -2.7595% | 4,976 |
| Net charge-offs to loans | 0.0765% | 1,733 |
| Credit loss provision to net charge-offs | 26.1628% | 2,935 |
| Earnings coverage of net charge-offs (x) | 20.0114% | 1,978 |
| Efficiency ratio | 75.1588% | 1,430 |
| Assets per employee ($millions) | 4.4494% | 3,291 |
| Cash dividends to net income (ytd only)* | 136.5871% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 2,580 |
| Loan loss allowance to noncurrent loans | 307.4405% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 1.1026% | 1,189 |
| Noncurrent loans to loans | 0.3857% | 3,170 |
| Net loans and leases to total assets | 66.3836% | 3,003 |
| Net loans and leases to deposits | 76.8379% | 3,214 |
| Net loans and leases to core deposits | 81.2953% | 3,292 |
| Total domestic deposits to total assets | 86.3944% | 1,823 |
| Equity capital to assets | 11.0270% | 3,082 |
| Core capital (leverage) ratio | 11.0276% | 2,617 |
| Tier 1 risk-based capital ratio | 13.2776% | 3,698 |
| Total risk-based capital ratio | 14.2789% | 3,733 |
| Memoranda: | ||
| Average total assets | $852,085,000 | 924 |
| Average earning assets | $772,638,250 | 938 |
| Average equity | $97,069,000 | 921 |
| Average total loans | $599,696,750 | 914 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6358% | 2,563 |
| Cost of funding earning assets | 0.9007% | 2,136 |
| Net interest margin | 3.7351% | 2,815 |
| Noninterest income to average assets | 1.0416% | 798 |
| Noninterest expense to average assets | 3.2497% | 1,403 |
| Loan and lease loss provision to assets | 0.0134% | 3,503 |
| Net operating income to assets | 0.8900% | 3,323 |
| Return on assets (ROA) | 0.9010% | 3,348 |
| Pretax return on assets | 1.1774% | 2,992 |
| Return on Equity (ROE) | 7.8179% | 3,368 |
| Retained earnings to average equity (ytd only) | 4.6949% | 2,923 |
| Net charge-offs to loans | 0.0906% | 1,455 |
| Credit loss provision to net charge-offs | 20.7407% | 2,650 |
| Earnings coverage of net charge-offs (x) | 18.1667% | 1,868 |
| Efficiency ratio | 73.4132% | 1,713 |
| Assets per employee ($millions) | 4.1288% | 3,689 |
| Cash dividends to net income (ytd only)* | 39.9467% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 2,332 |
| Loan loss allowance to noncurrent loans | 522.3420% | 986 |
| Noncurrent assets plus other real estate owned to assets | 1.0278% | 1,351 |
| Noncurrent loans to loans | 0.2364% | 3,694 |
| Net loans and leases to total assets | 71.1406% | 2,354 |
| Net loans and leases to deposits | 83.7261% | 2,520 |
| Net loans and leases to core deposits | 88.6280% | 2,736 |
| Total domestic deposits to total assets | 84.9683% | 2,490 |
| Equity capital to assets | 12.1083% | 2,112 |
| Core capital (leverage) ratio | 11.5177% | 2,149 |
| Tier 1 risk-based capital ratio | 14.0780% | 3,278 |
| Total risk-based capital ratio | 15.1371% | 3,281 |
| Memoranda: | ||
| Average total assets | $833,553,330 | 937 |
| Average earning assets | $755,423,000 | 955 |
| Average equity | $96,062,000 | 926 |
| Average total loans | $596,335,000 | 921 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6114% | 2,495 |
| Cost of funding earning assets | 0.8710% | 2,148 |
| Net interest margin | 3.7404% | 2,744 |
| Noninterest income to average assets | 1.0024% | 805 |
| Noninterest expense to average assets | 3.2006% | 1,488 |
| Loan and lease loss provision to assets | 0.0124% | 3,276 |
| Net operating income to assets | 0.9045% | 3,215 |
| Return on assets (ROA) | 0.9045% | 3,265 |
| Pretax return on assets | 1.1816% | 2,872 |
| Return on Equity (ROE) | 8.0465% | 3,245 |
| Retained earnings to average equity (ytd only) | 1.7040% | 4,139 |
| Net charge-offs to loans | 0.0487% | 1,587 |
| Credit loss provision to net charge-offs | 35.6164% | 2,059 |
| Earnings coverage of net charge-offs (x) | 34.4110% | 1,247 |
| Efficiency ratio | 72.8315% | 1,906 |
| Assets per employee ($millions) | 4.1739% | 3,668 |
| Cash dividends to net income (ytd only)* | 78.8229% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 2,276 |
| Loan loss allowance to noncurrent loans | 1,827.5184% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.8711% | 1,625 |
| Noncurrent loans to loans | 0.0689% | 4,450 |
| Net loans and leases to total assets | 68.5089% | 2,692 |
| Net loans and leases to deposits | 79.9228% | 2,846 |
| Net loans and leases to core deposits | 84.4583% | 2,989 |
| Total domestic deposits to total assets | 85.7189% | 2,398 |
| Equity capital to assets | 11.2089% | 2,641 |
| Core capital (leverage) ratio | 11.2060% | 2,386 |
| Tier 1 risk-based capital ratio | 13.5876% | 3,564 |
| Total risk-based capital ratio | 14.6598% | 3,567 |
| Memoranda: | ||
| Average total assets | $841,580,500 | 929 |
| Average earning assets | $763,236,000 | 944 |
| Average equity | $94,600,500 | 933 |
| Average total loans | $600,080,000 | 919 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2139% | 3,398 |
| Cost of funding earning assets | 0.7613% | 1,732 |
| Net interest margin | 3.4526% | 3,851 |
| Noninterest income to average assets | 1.0187% | 910 |
| Noninterest expense to average assets | 3.0778% | 1,856 |
| Loan and lease loss provision to assets | 0.0125% | 3,892 |
| Net operating income to assets | 0.8371% | 3,661 |
| Return on assets (ROA) | 0.7892% | 3,848 |
| Pretax return on assets | 0.9830% | 3,664 |
| Return on Equity (ROE) | 7.5287% | 3,648 |
| Retained earnings to average equity (ytd only) | 7.5287% | 1,446 |
| Net charge-offs to loans | 0.0504% | 2,433 |
| Credit loss provision to net charge-offs | 35.3135% | 3,318 |
| Earnings coverage of net charge-offs (x) | 29.8416% | 1,609 |
| Efficiency ratio | 74.4663% | 1,562 |
| Assets per employee ($millions) | 4.1584% | 3,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 2,417 |
| Loan loss allowance to noncurrent loans | 1,821.1679% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.8923% | 1,559 |
| Noncurrent loans to loans | 0.0674% | 4,450 |
| Net loans and leases to total assets | 72.3711% | 2,197 |
| Net loans and leases to deposits | 90.3275% | 1,754 |
| Net loans and leases to core deposits | 96.5470% | 2,009 |
| Total domestic deposits to total assets | 80.1208% | 4,075 |
| Equity capital to assets | 11.2735% | 2,447 |
| Core capital (leverage) ratio | 11.3843% | 2,194 |
| Tier 1 risk-based capital ratio | 13.3616% | 3,625 |
| Total risk-based capital ratio | 14.4346% | 3,621 |
| Memoranda: | ||
| Average total assets | $856,771,800 | 887 |
| Average earning assets | $772,872,000 | 910 |
| Average equity | $89,815,800 | 936 |
| Average total loans | $601,655,800 | 894 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1491% | 3,462 |
| Cost of funding earning assets | 0.7608% | 1,531 |
| Net interest margin | 3.3884% | 4,037 |
| Noninterest income to average assets | 1.0119% | 940 |
| Noninterest expense to average assets | 3.0773% | 1,820 |
| Loan and lease loss provision to assets | 0.0124% | 3,750 |
| Net operating income to assets | 0.7915% | 3,935 |
| Return on assets (ROA) | 0.7279% | 4,153 |
| Pretax return on assets | 0.8974% | 4,029 |
| Return on Equity (ROE) | 7.0725% | 3,908 |
| Retained earnings to average equity (ytd only) | 7.0725% | 2,093 |
| Net charge-offs to loans | 0.0251% | 2,619 |
| Credit loss provision to net charge-offs | 70.7965% | 2,630 |
| Earnings coverage of net charge-offs (x) | 56.6117% | 1,091 |
| Efficiency ratio | 75.6916% | 1,390 |
| Assets per employee ($millions) | 3.9314% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 2,167 |
| Loan loss allowance to noncurrent loans | 1,027.9570% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.9528% | 1,537 |
| Noncurrent loans to loans | 0.1251% | 4,326 |
| Net loans and leases to total assets | 72.1679% | 2,307 |
| Net loans and leases to deposits | 85.5198% | 2,417 |
| Net loans and leases to core deposits | 90.9910% | 2,564 |
| Total domestic deposits to total assets | 84.3873% | 2,821 |
| Equity capital to assets | 11.1038% | 2,570 |
| Core capital (leverage) ratio | 10.6948% | 2,885 |
| Tier 1 risk-based capital ratio | 13.2596% | 3,750 |
| Total risk-based capital ratio | 14.3816% | 3,738 |
| Memoranda: | ||
| Average total assets | $863,042,750 | 881 |
| Average earning assets | $777,781,500 | 902 |
| Average equity | $88,829,750 | 940 |
| Average total loans | $599,723,000 | 894 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0092% | 3,757 |
| Cost of funding earning assets | 0.7277% | 1,484 |
| Net interest margin | 3.2815% | 4,304 |
| Noninterest income to average assets | 0.9679% | 1,017 |
| Noninterest expense to average assets | 3.0325% | 1,962 |
| Loan and lease loss provision to assets | 0.0118% | 3,620 |
| Net operating income to assets | 0.6666% | 4,296 |
| Return on assets (ROA) | 0.6720% | 4,283 |
| Pretax return on assets | 0.8828% | 4,017 |
| Return on Equity (ROE) | 6.6917% | 3,998 |
| Retained earnings to average equity (ytd only) | 6.6917% | 2,216 |
| Net charge-offs to loans | 0.0299% | 2,263 |
| Credit loss provision to net charge-offs | 57.7778% | 2,443 |
| Earnings coverage of net charge-offs (x) | 43.3778% | 1,236 |
| Efficiency ratio | 77.3537% | 1,265 |
| Assets per employee ($millions) | 4.2191% | 3,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 2,482 |
| Loan loss allowance to noncurrent loans | 1,165.0915% | 524 |
| Noncurrent assets plus other real estate owned to assets | 1.3622% | 1,026 |
| Noncurrent loans to loans | 0.1065% | 4,436 |
| Net loans and leases to total assets | 68.3175% | 2,824 |
| Net loans and leases to deposits | 91.0100% | 1,709 |
| Net loans and leases to core deposits | 98.4048% | 1,865 |
| Total domestic deposits to total assets | 75.0660% | 4,952 |
| Equity capital to assets | 9.9804% | 3,647 |
| Core capital (leverage) ratio | 10.0106% | 3,569 |
| Tier 1 risk-based capital ratio | 12.3826% | 4,256 |
| Total risk-based capital ratio | 13.4550% | 4,248 |
| Memoranda: | ||
| Average total assets | $879,458,670 | 870 |
| Average earning assets | $791,286,670 | 885 |
| Average equity | $88,319,000 | 946 |
| Average total loans | $601,315,000 | 884 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9487% | 3,793 |
| Cost of funding earning assets | 0.6581% | 1,673 |
| Net interest margin | 3.2906% | 4,216 |
| Noninterest income to average assets | 0.9404% | 1,047 |
| Noninterest expense to average assets | 3.0254% | 2,011 |
| Loan and lease loss provision to assets | 0.0133% | 3,360 |
| Net operating income to assets | 0.6536% | 4,265 |
| Return on assets (ROA) | 0.6645% | 4,233 |
| Pretax return on assets | 0.8718% | 3,940 |
| Return on Equity (ROE) | 6.5960% | 3,947 |
| Retained earnings to average equity (ytd only) | 6.5960% | 2,456 |
| Net charge-offs to loans | 0.0202% | 2,094 |
| Credit loss provision to net charge-offs | 96.6667% | 1,623 |
| Earnings coverage of net charge-offs (x) | 63.4667% | 816 |
| Efficiency ratio | 77.6395% | 1,386 |
| Assets per employee ($millions) | 4.0371% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 2,262 |
| Loan loss allowance to noncurrent loans | 761.1497% | 754 |
| Noncurrent assets plus other real estate owned to assets | 1.4378% | 993 |
| Noncurrent loans to loans | 0.1703% | 4,215 |
| Net loans and leases to total assets | 67.3594% | 2,842 |
| Net loans and leases to deposits | 84.8863% | 2,300 |
| Net loans and leases to core deposits | 94.8900% | 2,065 |
| Total domestic deposits to total assets | 79.3525% | 4,522 |
| Equity capital to assets | 10.1453% | 3,457 |
| Core capital (leverage) ratio | 9.9122% | 3,626 |
| Tier 1 risk-based capital ratio | 12.6686% | 4,131 |
| Total risk-based capital ratio | 13.7951% | 4,116 |
| Memoranda: | ||
| Average total assets | $874,071,000 | 879 |
| Average earning assets | $785,268,000 | 896 |
| Average equity | $88,054,000 | 953 |
| Average total loans | $594,058,000 | 902 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8915% | 3,756 |
| Cost of funding earning assets | 0.4972% | 2,357 |
| Net interest margin | 3.3942% | 3,867 |
| Noninterest income to average assets | 1.0768% | 878 |
| Noninterest expense to average assets | 3.2522% | 1,494 |
| Loan and lease loss provision to assets | 0.0135% | 4,020 |
| Net operating income to assets | 0.4846% | 4,411 |
| Return on assets (ROA) | 0.4846% | 4,444 |
| Pretax return on assets | 0.8394% | 4,125 |
| Return on Equity (ROE) | 4.8188% | 4,235 |
| Retained earnings to average equity (ytd only) | 0.8983% | 4,670 |
| Net charge-offs to loans | 0.0153% | 3,582 |
| Credit loss provision to net charge-offs | 129.0323% | 2,035 |
| Earnings coverage of net charge-offs (x) | 81.4086% | 762 |
| Efficiency ratio | 79.2228% | 1,197 |
| Assets per employee ($millions) | 4.1322% | 3,767 |
| Cash dividends to net income (ytd only)* | 81.3575% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 2,272 |
| Loan loss allowance to noncurrent loans | 1,167.3252% | 556 |
| Noncurrent assets plus other real estate owned to assets | 1.3952% | 1,009 |
| Noncurrent loans to loans | 0.1104% | 4,491 |
| Net loans and leases to total assets | 66.8160% | 2,994 |
| Net loans and leases to deposits | 85.6299% | 2,308 |
| Net loans and leases to core deposits | 94.6359% | 2,140 |
| Total domestic deposits to total assets | 78.0289% | 4,717 |
| Equity capital to assets | 10.0037% | 3,702 |
| Core capital (leverage) ratio | 9.5151% | 4,029 |
| Tier 1 risk-based capital ratio | 12.5330% | 4,187 |
| Total risk-based capital ratio | 13.6714% | 4,156 |
| Memoranda: | ||
| Average total assets | $887,653,200 | 844 |
| Average earning assets | $791,960,600 | 870 |
| Average equity | $89,275,400 | 905 |
| Average total loans | $608,548,000 | 856 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8363% | 3,884 |
| Cost of funding earning assets | 0.4656% | 2,567 |
| Net interest margin | 3.3708% | 3,946 |
| Noninterest income to average assets | 1.1026% | 837 |
| Noninterest expense to average assets | 3.0540% | 1,942 |
| Loan and lease loss provision to assets | 0.0127% | 3,891 |
| Net operating income to assets | 0.7451% | 3,760 |
| Return on assets (ROA) | 0.7451% | 3,826 |
| Pretax return on assets | 1.0398% | 3,526 |
| Return on Equity (ROE) | 7.3986% | 3,447 |
| Retained earnings to average equity (ytd only) | 2.1894% | 4,545 |
| Net charge-offs to loans | 0.0118% | 3,313 |
| Credit loss provision to net charge-offs | 157.4074% | 1,623 |
| Earnings coverage of net charge-offs (x) | 130.0338% | 591 |
| Efficiency ratio | 74.3695% | 1,836 |
| Assets per employee ($millions) | 4.2381% | 3,583 |
| Cash dividends to net income (ytd only)* | 70.4084% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 2,622 |
| Loan loss allowance to noncurrent loans | 333.6952% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 1.9365% | 688 |
| Noncurrent loans to loans | 0.3757% | 3,606 |
| Net loans and leases to total assets | 67.6839% | 2,888 |
| Net loans and leases to deposits | 87.5864% | 2,120 |
| Net loans and leases to core deposits | 98.9687% | 1,802 |
| Total domestic deposits to total assets | 77.2766% | 4,837 |
| Equity capital to assets | 10.0020% | 3,908 |
| Core capital (leverage) ratio | 9.7536% | 3,877 |
| Tier 1 risk-based capital ratio | 12.4376% | 4,359 |
| Total risk-based capital ratio | 13.5700% | 4,331 |
| Memoranda: | ||
| Average total assets | $889,524,500 | 848 |
| Average earning assets | $792,720,500 | 871 |
| Average equity | $89,582,000 | 911 |
| Average total loans | $611,741,500 | 860 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8108% | 3,854 |
| Cost of funding earning assets | 0.4428% | 2,669 |
| Net interest margin | 3.3680% | 3,885 |
| Noninterest income to average assets | 1.1552% | 755 |
| Noninterest expense to average assets | 3.0526% | 1,965 |
| Loan and lease loss provision to assets | 0.0122% | 3,714 |
| Net operating income to assets | 0.8077% | 3,363 |
| Return on assets (ROA) | 0.8077% | 3,417 |
| Pretax return on assets | 1.0832% | 3,250 |
| Return on Equity (ROE) | 8.0019% | 3,034 |
| Retained earnings to average equity (ytd only) | 8.0019% | 1,165 |
| Net charge-offs to loans | 0.0039% | 3,352 |
| Credit loss provision to net charge-offs | 450.0000% | 718 |
| Earnings coverage of net charge-offs (x) | 405.2500% | 210 |
| Efficiency ratio | 73.5936% | 2,083 |
| Assets per employee ($millions) | 4.0668% | 3,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 2,312 |
| Loan loss allowance to noncurrent loans | 105.2516% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 3.3289% | 253 |
| Noncurrent loans to loans | 1.2543% | 1,542 |
| Net loans and leases to total assets | 67.3571% | 2,893 |
| Net loans and leases to deposits | 86.7287% | 2,141 |
| Net loans and leases to core deposits | 96.5609% | 1,923 |
| Total domestic deposits to total assets | 77.6641% | 4,871 |
| Equity capital to assets | 10.7451% | 3,084 |
| Core capital (leverage) ratio | 9.9809% | 3,560 |
| Tier 1 risk-based capital ratio | 12.9273% | 4,049 |
| Total risk-based capital ratio | 14.0805% | 4,011 |
| Memoranda: | ||
| Average total assets | $887,954,670 | 855 |
| Average earning assets | $789,021,670 | 881 |
| Average equity | $89,629,000 | 916 |
| Average total loans | $611,343,000 | 866 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8228% | 3,683 |
| Cost of funding earning assets | 0.4228% | 2,791 |
| Net interest margin | 3.4000% | 3,653 |
| Noninterest income to average assets | 0.9641% | 1,071 |
| Noninterest expense to average assets | 2.9691% | 2,245 |
| Loan and lease loss provision to assets | 0.0128% | 3,400 |
| Net operating income to assets | 0.6560% | 3,908 |
| Return on assets (ROA) | 0.6560% | 3,944 |
| Pretax return on assets | 1.0038% | 3,354 |
| Return on Equity (ROE) | 6.7028% | 3,548 |
| Retained earnings to average equity (ytd only) | 6.7028% | 1,977 |
| Net charge-offs to loans | 0.0090% | 2,663 |
| Credit loss provision to net charge-offs | 207.1429% | 999 |
| Earnings coverage of net charge-offs (x) | 164.2857% | 331 |
| Efficiency ratio | 74.4926% | 2,150 |
| Assets per employee ($millions) | 4.1195% | 3,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 2,833 |
| Loan loss allowance to noncurrent loans | 1,097.1388% | 563 |
| Noncurrent assets plus other real estate owned to assets | 2.4895% | 460 |
| Noncurrent loans to loans | 0.1138% | 4,740 |
| Net loans and leases to total assets | 68.1710% | 2,655 |
| Net loans and leases to deposits | 88.1874% | 1,772 |
| Net loans and leases to core deposits | 96.9438% | 1,752 |
| Total domestic deposits to total assets | 77.3024% | 5,077 |
| Equity capital to assets | 10.0362% | 3,710 |
| Core capital (leverage) ratio | 9.2116% | 4,469 |
| Tier 1 risk-based capital ratio | 11.9478% | 4,751 |
| Total risk-based capital ratio | 13.0467% | 4,760 |
| Memoranda: | ||
| Average total assets | $904,917,500 | 838 |
| Average earning assets | $804,228,000 | 871 |
| Average equity | $88,560,500 | 922 |
| Average total loans | $625,542,000 | 838 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6993% | 4,208 |
| Cost of funding earning assets | 0.4024% | 2,975 |
| Net interest margin | 3.2969% | 4,152 |
| Noninterest income to average assets | 0.8448% | 1,596 |
| Noninterest expense to average assets | 2.9637% | 2,452 |
| Loan and lease loss provision to assets | 0.0186% | 4,002 |
| Net operating income to assets | 0.5192% | 4,554 |
| Return on assets (ROA) | 0.5887% | 4,367 |
| Pretax return on assets | 0.8931% | 3,872 |
| Return on Equity (ROE) | 5.9855% | 3,990 |
| Retained earnings to average equity (ytd only) | -1.2568% | 5,476 |
| Net charge-offs to loans | 0.0129% | 3,845 |
| Credit loss provision to net charge-offs | 212.5000% | 1,342 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 649 |
| Efficiency ratio | 78.6078% | 1,609 |
| Assets per employee ($millions) | 4.2398% | 3,545 |
| Cash dividends to net income (ytd only)* | 120.9978% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2019% | 3,115 |
| Loan loss allowance to noncurrent loans | 93.4668% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 3.1821% | 293 |
| Noncurrent loans to loans | 1.2859% | 1,594 |
| Net loans and leases to total assets | 68.3860% | 2,713 |
| Net loans and leases to deposits | 92.0318% | 1,452 |
| Net loans and leases to core deposits | 100.5009% | 1,579 |
| Total domestic deposits to total assets | 74.3069% | 5,417 |
| Equity capital to assets | 9.5451% | 4,223 |
| Core capital (leverage) ratio | 8.9267% | 4,828 |
| Tier 1 risk-based capital ratio | 11.1788% | 5,241 |
| Total risk-based capital ratio | 12.0595% | 5,334 |
| Memoranda: | ||
| Average total assets | $912,547,000 | 788 |
| Average earning assets | $809,718,400 | 824 |
| Average equity | $89,749,600 | 890 |
| Average total loans | $618,474,200 | 808 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7079% | 4,224 |
| Cost of funding earning assets | 0.3957% | 3,058 |
| Net interest margin | 3.3122% | 4,147 |
| Noninterest income to average assets | 0.8366% | 1,619 |
| Noninterest expense to average assets | 2.9399% | 2,499 |
| Loan and lease loss provision to assets | 0.0198% | 3,846 |
| Net operating income to assets | 0.5340% | 4,559 |
| Return on assets (ROA) | 0.6268% | 4,300 |
| Pretax return on assets | 0.9553% | 3,789 |
| Return on Equity (ROE) | 6.3257% | 3,914 |
| Retained earnings to average equity (ytd only) | -3.2789% | 5,664 |
| Net charge-offs to loans | 0.0209% | 3,279 |
| Credit loss provision to net charge-offs | 140.6250% | 1,859 |
| Earnings coverage of net charge-offs (x) | 59.3735% | 969 |
| Efficiency ratio | 77.8898% | 1,702 |
| Assets per employee ($millions) | 4.2421% | 3,524 |
| Cash dividends to net income (ytd only)* | 151.8336% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 3,333 |
| Loan loss allowance to noncurrent loans | 1,073.8701% | 550 |
| Noncurrent assets plus other real estate owned to assets | 2.4113% | 580 |
| Noncurrent loans to loans | 0.1104% | 4,899 |
| Net loans and leases to total assets | 68.8388% | 2,673 |
| Net loans and leases to deposits | 96.3021% | 1,020 |
| Net loans and leases to core deposits | 105.8377% | 1,198 |
| Total domestic deposits to total assets | 71.4822% | 5,620 |
| Equity capital to assets | 9.6574% | 4,506 |
| Core capital (leverage) ratio | 8.6769% | 5,178 |
| Tier 1 risk-based capital ratio | 11.0444% | 5,352 |
| Total risk-based capital ratio | 11.8701% | 5,480 |
| Memoranda: | ||
| Average total assets | $910,676,250 | 792 |
| Average earning assets | $807,737,250 | 824 |
| Average equity | $90,232,500 | 895 |
| Average total loans | $613,886,250 | 808 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6798% | 4,359 |
| Cost of funding earning assets | 0.3897% | 3,154 |
| Net interest margin | 3.2901% | 4,265 |
| Noninterest income to average assets | 0.8173% | 1,650 |
| Noninterest expense to average assets | 2.9361% | 2,564 |
| Loan and lease loss provision to assets | 0.0099% | 3,895 |
| Net operating income to assets | 0.5136% | 4,621 |
| Return on assets (ROA) | 0.6533% | 4,174 |
| Pretax return on assets | 0.9967% | 3,598 |
| Return on Equity (ROE) | 6.5375% | 3,786 |
| Retained earnings to average equity (ytd only) | -1.1822% | 5,459 |
| Net charge-offs to loans | 0.0169% | 3,177 |
| Credit loss provision to net charge-offs | 88.2353% | 2,266 |
| Earnings coverage of net charge-offs (x) | 70.7255% | 770 |
| Efficiency ratio | 78.6921% | 1,691 |
| Assets per employee ($millions) | 4.1334% | 3,684 |
| Cash dividends to net income (ytd only)* | 118.0837% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 3,168 |
| Loan loss allowance to noncurrent loans | 789.7597% | 727 |
| Noncurrent assets plus other real estate owned to assets | 2.5178% | 546 |
| Noncurrent loans to loans | 0.1561% | 4,811 |
| Net loans and leases to total assets | 67.5039% | 2,865 |
| Net loans and leases to deposits | 93.0850% | 1,385 |
| Net loans and leases to core deposits | 99.6772% | 1,654 |
| Total domestic deposits to total assets | 72.5186% | 5,637 |
| Equity capital to assets | 10.1088% | 4,082 |
| Core capital (leverage) ratio | 8.9176% | 4,920 |
| Tier 1 risk-based capital ratio | 11.4531% | 5,190 |
| Total risk-based capital ratio | 12.3024% | 5,313 |
| Memoranda: | ||
| Average total assets | $907,390,330 | 797 |
| Average earning assets | $803,623,000 | 825 |
| Average equity | $90,676,670 | 886 |
| Average total loans | $604,752,330 | 817 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6562% | 4,456 |
| Cost of funding earning assets | 0.3842% | 3,256 |
| Net interest margin | 3.2720% | 4,326 |
| Noninterest income to average assets | 0.7653% | 1,753 |
| Noninterest expense to average assets | 2.8003% | 3,071 |
| Loan and lease loss provision to assets | 0.0053% | 3,607 |
| Net operating income to assets | 0.5579% | 4,380 |
| Return on assets (ROA) | 0.6667% | 4,010 |
| Pretax return on assets | 1.0173% | 3,413 |
| Return on Equity (ROE) | 6.7093% | 3,612 |
| Retained earnings to average equity (ytd only) | 6.7093% | 2,024 |
| Net charge-offs to loans | 0.0400% | 2,199 |
| Credit loss provision to net charge-offs | 20.0000% | 2,294 |
| Earnings coverage of net charge-offs (x) | 32.6167% | 1,136 |
| Efficiency ratio | 76.5516% | 2,100 |
| Assets per employee ($millions) | 4.2351% | 3,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 3,199 |
| Loan loss allowance to noncurrent loans | 617.0772% | 850 |
| Noncurrent assets plus other real estate owned to assets | 2.6607% | 532 |
| Noncurrent loans to loans | 0.2024% | 4,696 |
| Net loans and leases to total assets | 65.5764% | 3,014 |
| Net loans and leases to deposits | 88.4692% | 1,771 |
| Net loans and leases to core deposits | 94.9062% | 1,899 |
| Total domestic deposits to total assets | 74.1234% | 5,601 |
| Equity capital to assets | 10.1842% | 3,861 |
| Core capital (leverage) ratio | 9.0661% | 4,776 |
| Tier 1 risk-based capital ratio | 11.8091% | 5,042 |
| Total risk-based capital ratio | 12.6781% | 5,172 |
| Memoranda: | ||
| Average total assets | $912,610,000 | 794 |
| Average earning assets | $806,840,500 | 824 |
| Average equity | $90,679,500 | 878 |
| Average total loans | $600,611,000 | 821 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6362% | 4,572 |
| Cost of funding earning assets | 0.3630% | 3,551 |
| Net interest margin | 3.2732% | 4,401 |
| Noninterest income to average assets | 0.8236% | 1,695 |
| Noninterest expense to average assets | 2.9022% | 2,853 |
| Loan and lease loss provision to assets | 0.0056% | 4,277 |
| Net operating income to assets | 0.6081% | 4,232 |
| Return on assets (ROA) | 0.6270% | 4,241 |
| Pretax return on assets | 0.8211% | 4,123 |
| Return on Equity (ROE) | 6.0776% | 4,000 |
| Retained earnings to average equity (ytd only) | -5.5693% | 5,943 |
| Net charge-offs to loans | -0.0097% | 5,105 |
| Credit loss provision to net charge-offs | -89.4737% | 5,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2618% | 1,929 |
| Assets per employee ($millions) | 4.2740% | 3,445 |
| Cash dividends to net income (ytd only)* | 191.6376% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 3,099 |
| Loan loss allowance to noncurrent loans | 736.5141% | 786 |
| Noncurrent assets plus other real estate owned to assets | 2.6238% | 570 |
| Noncurrent loans to loans | 0.1713% | 4,803 |
| Net loans and leases to total assets | 64.4042% | 3,212 |
| Net loans and leases to deposits | 87.0221% | 2,001 |
| Net loans and leases to core deposits | 93.7692% | 2,067 |
| Total domestic deposits to total assets | 74.0090% | 5,648 |
| Equity capital to assets | 9.6917% | 4,317 |
| Core capital (leverage) ratio | 8.9125% | 4,988 |
| Tier 1 risk-based capital ratio | 11.1845% | 5,429 |
| Total risk-based capital ratio | 12.2498% | 5,424 |
| Memoranda: | ||
| Average total assets | $915,438,000 | 751 |
| Average earning assets | $805,567,600 | 781 |
| Average equity | $94,445,800 | 805 |
| Average total loans | $589,046,600 | 791 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5586% | 4,846 |
| Cost of funding earning assets | 0.3645% | 3,610 |
| Net interest margin | 3.1941% | 4,688 |
| Noninterest income to average assets | 0.8371% | 1,661 |
| Noninterest expense to average assets | 2.8705% | 2,936 |
| Loan and lease loss provision to assets | 0.0050% | 4,167 |
| Net operating income to assets | 0.6405% | 4,176 |
| Return on assets (ROA) | 0.6681% | 4,157 |
| Pretax return on assets | 0.8057% | 4,323 |
| Return on Equity (ROE) | 6.3789% | 3,971 |
| Retained earnings to average equity (ytd only) | -1.9723% | 5,854 |
| Net charge-offs to loans | -0.0412% | 5,479 |
| Credit loss provision to net charge-offs | -18.7845% | 4,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5637% | 1,881 |
| Assets per employee ($millions) | 4.2201% | 3,481 |
| Cash dividends to net income (ytd only)* | 130.9187% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3367% | 2,920 |
| Loan loss allowance to noncurrent loans | 340.0266% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 2.9196% | 534 |
| Noncurrent loans to loans | 0.3931% | 4,205 |
| Net loans and leases to total assets | 63.2882% | 3,410 |
| Net loans and leases to deposits | 83.7309% | 2,439 |
| Net loans and leases to core deposits | 90.6724% | 2,392 |
| Total domestic deposits to total assets | 75.5852% | 5,555 |
| Equity capital to assets | 10.5839% | 3,500 |
| Core capital (leverage) ratio | 9.4628% | 4,348 |
| Tier 1 risk-based capital ratio | 12.1866% | 4,973 |
| Total risk-based capital ratio | 13.2961% | 4,968 |
| Memoranda: | ||
| Average total assets | $914,571,000 | 762 |
| Average earning assets | $804,834,750 | 782 |
| Average equity | $95,792,750 | 803 |
| Average total loans | $586,463,750 | 799 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5504% | 4,858 |
| Cost of funding earning assets | 0.3688% | 3,614 |
| Net interest margin | 3.1816% | 4,712 |
| Noninterest income to average assets | 0.8465% | 1,615 |
| Noninterest expense to average assets | 2.9049% | 2,876 |
| Loan and lease loss provision to assets | 0.0041% | 4,006 |
| Net operating income to assets | 0.6113% | 4,285 |
| Return on assets (ROA) | 0.6524% | 4,221 |
| Pretax return on assets | 0.7831% | 4,377 |
| Return on Equity (ROE) | 6.2500% | 4,017 |
| Retained earnings to average equity (ytd only) | 0.0104% | 5,500 |
| Net charge-offs to loans | -0.0691% | 5,657 |
| Credit loss provision to net charge-offs | -9.3137% | 4,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5625% | 1,818 |
| Assets per employee ($millions) | 4.3392% | 3,231 |
| Cash dividends to net income (ytd only)* | 99.8336% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 3,096 |
| Loan loss allowance to noncurrent loans | 328.3027% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 2.8912% | 593 |
| Noncurrent loans to loans | 0.4043% | 4,269 |
| Net loans and leases to total assets | 62.9396% | 3,420 |
| Net loans and leases to deposits | 83.2168% | 2,410 |
| Net loans and leases to core deposits | 92.0113% | 2,160 |
| Total domestic deposits to total assets | 75.6333% | 5,642 |
| Equity capital to assets | 10.5227% | 3,417 |
| Core capital (leverage) ratio | 9.5542% | 4,204 |
| Tier 1 risk-based capital ratio | 12.7439% | 4,655 |
| Total risk-based capital ratio | 13.8896% | 4,645 |
| Memoranda: | ||
| Average total assets | $921,209,000 | 762 |
| Average earning assets | $809,595,330 | 782 |
| Average equity | $96,160,330 | 806 |
| Average total loans | $590,657,330 | 795 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5538% | 4,818 |
| Cost of funding earning assets | 0.3715% | 3,629 |
| Net interest margin | 3.1823% | 4,670 |
| Noninterest income to average assets | 0.8471% | 1,563 |
| Noninterest expense to average assets | 2.9458% | 2,755 |
| Loan and lease loss provision to assets | 0.0026% | 3,680 |
| Net operating income to assets | 0.5696% | 4,404 |
| Return on assets (ROA) | 0.6502% | 4,165 |
| Pretax return on assets | 0.7949% | 4,263 |
| Return on Equity (ROE) | 6.2533% | 3,896 |
| Retained earnings to average equity (ytd only) | 6.2533% | 2,353 |
| Net charge-offs to loans | 0.0161% | 2,847 |
| Credit loss provision to net charge-offs | 25.0000% | 2,316 |
| Earnings coverage of net charge-offs (x) | 67.6250% | 666 |
| Efficiency ratio | 80.5319% | 1,826 |
| Assets per employee ($millions) | 4.2708% | 3,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 3,615 |
| Loan loss allowance to noncurrent loans | 77.2458% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 3.6468% | 443 |
| Noncurrent loans to loans | 1.6349% | 1,707 |
| Net loans and leases to total assets | 63.9248% | 3,096 |
| Net loans and leases to deposits | 83.9181% | 2,089 |
| Net loans and leases to core deposits | 93.5114% | 1,809 |
| Total domestic deposits to total assets | 76.1752% | 5,722 |
| Equity capital to assets | 10.7758% | 3,230 |
| Core capital (leverage) ratio | 10.0080% | 3,586 |
| Tier 1 risk-based capital ratio | 13.6816% | 4,236 |
| Total risk-based capital ratio | 14.7884% | 4,220 |
| Memoranda: | ||
| Average total assets | $928,367,000 | 750 |
| Average earning assets | $816,254,500 | 781 |
| Average equity | $96,525,500 | 803 |
| Average total loans | $596,749,000 | 785 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7338% | 4,695 |
| Cost of funding earning assets | 0.3877% | 3,819 |
| Net interest margin | 3.3460% | 4,418 |
| Noninterest income to average assets | 0.8128% | 1,817 |
| Noninterest expense to average assets | 3.1565% | 2,336 |
| Loan and lease loss provision to assets | 0.0306% | 3,992 |
| Net operating income to assets | 0.4741% | 4,909 |
| Return on assets (ROA) | 0.5212% | 4,812 |
| Pretax return on assets | 0.6181% | 4,882 |
| Return on Equity (ROE) | 5.1474% | 4,586 |
| Retained earnings to average equity (ytd only) | 3.5395% | 3,707 |
| Net charge-offs to loans | -0.0314% | 5,800 |
| Credit loss provision to net charge-offs | -154.0984% | 5,580 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9119% | 1,420 |
| Assets per employee ($millions) | 4.3443% | 3,279 |
| Cash dividends to net income (ytd only)* | 31.2370% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 3,802 |
| Loan loss allowance to noncurrent loans | 73.4943% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 3.5567% | 521 |
| Noncurrent loans to loans | 1.6781% | 1,744 |
| Net loans and leases to total assets | 63.0474% | 3,352 |
| Net loans and leases to deposits | 86.7769% | 1,875 |
| Net loans and leases to core deposits | 98.5225% | 1,511 |
| Total domestic deposits to total assets | 72.6546% | 6,042 |
| Equity capital to assets | 10.0338% | 4,065 |
| Core capital (leverage) ratio | 9.2993% | 4,538 |
| Tier 1 risk-based capital ratio | 12.7337% | 4,900 |
| Total risk-based capital ratio | 13.8485% | 4,892 |
| Memoranda: | ||
| Average total assets | $921,307,200 | 724 |
| Average earning assets | $808,513,000 | 754 |
| Average equity | $93,290,600 | 793 |
| Average total loans | $582,838,600 | 757 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7959% | 4,559 |
| Cost of funding earning assets | 0.3897% | 3,903 |
| Net interest margin | 3.4062% | 4,213 |
| Noninterest income to average assets | 0.7860% | 1,944 |
| Noninterest expense to average assets | 3.2015% | 2,175 |
| Loan and lease loss provision to assets | 0.0393% | 3,623 |
| Net operating income to assets | 0.4457% | 5,090 |
| Return on assets (ROA) | 0.4828% | 5,013 |
| Pretax return on assets | 0.5786% | 5,091 |
| Return on Equity (ROE) | 4.7570% | 4,831 |
| Retained earnings to average equity (ytd only) | 4.7570% | 3,237 |
| Net charge-offs to loans | -0.1002% | 6,137 |
| Credit loss provision to net charge-offs | -62.2120% | 5,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5373% | 1,323 |
| Assets per employee ($millions) | 4.0757% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3636% | 3,334 |
| Loan loss allowance to noncurrent loans | 80.5928% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 4.0511% | 477 |
| Noncurrent loans to loans | 1.6919% | 1,921 |
| Net loans and leases to total assets | 62.6474% | 3,390 |
| Net loans and leases to deposits | 83.8156% | 2,182 |
| Net loans and leases to core deposits | 96.3501% | 1,647 |
| Total domestic deposits to total assets | 74.7442% | 5,945 |
| Equity capital to assets | 10.6621% | 3,354 |
| Core capital (leverage) ratio | 9.4402% | 4,450 |
| Tier 1 risk-based capital ratio | 13.3903% | 4,610 |
| Total risk-based capital ratio | 14.6015% | 4,569 |
| Memoranda: | ||
| Average total assets | $914,871,500 | 732 |
| Average earning assets | $802,747,000 | 762 |
| Average equity | $92,857,000 | 796 |
| Average total loans | $577,411,750 | 762 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7837% | 4,580 |
| Cost of funding earning assets | 0.3821% | 4,077 |
| Net interest margin | 3.4016% | 4,164 |
| Noninterest income to average assets | 0.6691% | 2,433 |
| Noninterest expense to average assets | 3.1992% | 2,196 |
| Loan and lease loss provision to assets | 0.0524% | 3,253 |
| Net operating income to assets | 0.3251% | 5,478 |
| Return on assets (ROA) | 0.3551% | 5,461 |
| Pretax return on assets | 0.4424% | 5,444 |
| Return on Equity (ROE) | 3.5563% | 5,320 |
| Retained earnings to average equity (ytd only) | 3.5563% | 3,930 |
| Net charge-offs to loans | -0.0963% | 6,129 |
| Credit loss provision to net charge-offs | -86.4286% | 5,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2091% | 1,165 |
| Assets per employee ($millions) | 4.0870% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 3,934 |
| Loan loss allowance to noncurrent loans | 74.2832% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 3.9338% | 550 |
| Noncurrent loans to loans | 1.7296% | 1,993 |
| Net loans and leases to total assets | 62.4944% | 3,327 |
| Net loans and leases to deposits | 82.9545% | 2,141 |
| Net loans and leases to core deposits | 97.3643% | 1,489 |
| Total domestic deposits to total assets | 75.3357% | 5,988 |
| Equity capital to assets | 10.1735% | 3,867 |
| Core capital (leverage) ratio | 9.1231% | 4,849 |
| Tier 1 risk-based capital ratio | 12.8164% | 5,025 |
| Total risk-based capital ratio | 13.9745% | 5,018 |
| Memoranda: | ||
| Average total assets | $923,658,670 | 723 |
| Average earning assets | $811,207,670 | 754 |
| Average equity | $92,231,330 | 792 |
| Average total loans | $581,774,670 | 752 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7843% | 4,554 |
| Cost of funding earning assets | 0.3717% | 4,296 |
| Net interest margin | 3.4126% | 4,065 |
| Noninterest income to average assets | 0.9739% | 1,187 |
| Noninterest expense to average assets | 3.1860% | 2,277 |
| Loan and lease loss provision to assets | 0.0528% | 3,050 |
| Net operating income to assets | 0.6041% | 4,183 |
| Return on assets (ROA) | 0.6041% | 4,258 |
| Pretax return on assets | 0.7410% | 4,347 |
| Return on Equity (ROE) | 6.1075% | 3,960 |
| Retained earnings to average equity (ytd only) | 6.1075% | 2,481 |
| Net charge-offs to loans | -1.5137% | 6,655 |
| Credit loss provision to net charge-offs | -5.5556% | 4,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7933% | 2,240 |
| Assets per employee ($millions) | 4.0236% | 3,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6173% | 2,621 |
| Loan loss allowance to noncurrent loans | 89.5268% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 4.3148% | 523 |
| Noncurrent loans to loans | 1.8065% | 2,128 |
| Net loans and leases to total assets | 61.7270% | 3,278 |
| Net loans and leases to deposits | 81.2949% | 2,130 |
| Net loans and leases to core deposits | 96.7502% | 1,328 |
| Total domestic deposits to total assets | 75.9298% | 6,083 |
| Equity capital to assets | 10.0943% | 3,731 |
| Core capital (leverage) ratio | 8.9629% | 5,069 |
| Tier 1 risk-based capital ratio | 12.5280% | 5,298 |
| Total risk-based capital ratio | 13.7801% | 5,232 |
| Memoranda: | ||
| Average total assets | $923,662,500 | 733 |
| Average earning assets | $813,580,000 | 762 |
| Average equity | $91,363,000 | 800 |
| Average total loans | $580,290,500 | 752 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6286% | 5,335 |
| Cost of funding earning assets | 0.4140% | 4,492 |
| Net interest margin | 3.2146% | 4,953 |
| Noninterest income to average assets | 1.0750% | 1,223 |
| Noninterest expense to average assets | 3.4646% | 1,744 |
| Loan and lease loss provision to assets | 0.1900% | 1,941 |
| Net operating income to assets | 0.1980% | 5,824 |
| Return on assets (ROA) | 0.2655% | 5,720 |
| Pretax return on assets | 0.3136% | 5,692 |
| Return on Equity (ROE) | 2.4699% | 5,684 |
| Retained earnings to average equity (ytd only) | 0.6120% | 5,561 |
| Net charge-offs to loans | 0.8796% | 696 |
| Credit loss provision to net charge-offs | 35.6796% | 4,139 |
| Earnings coverage of net charge-offs (x) | 0.7968% | 4,820 |
| Efficiency ratio | 88.7989% | 1,127 |
| Assets per employee ($millions) | 3.8910% | 4,083 |
| Cash dividends to net income (ytd only)* | 75.2212% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 4,688 |
| Loan loss allowance to noncurrent loans | 28.3105% | 5,990 |
| Noncurrent assets plus other real estate owned to assets | 4.1954% | 618 |
| Noncurrent loans to loans | 4.2212% | 664 |
| Net loans and leases to total assets | 62.1553% | 3,333 |
| Net loans and leases to deposits | 88.9527% | 1,357 |
| Net loans and leases to core deposits | 104.1741% | 896 |
| Total domestic deposits to total assets | 69.8745% | 6,526 |
| Equity capital to assets | 9.6912% | 4,175 |
| Core capital (leverage) ratio | 9.0215% | 4,964 |
| Tier 1 risk-based capital ratio | 12.3724% | 5,379 |
| Total risk-based capital ratio | 13.4537% | 5,421 |
| Memoranda: | ||
| Average total assets | $851,275,400 | 779 |
| Average earning assets | $745,137,200 | 813 |
| Average equity | $91,502,400 | 768 |
| Average total loans | $515,220,800 | 825 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6220% | 5,379 |
| Cost of funding earning assets | 0.4228% | 4,583 |
| Net interest margin | 3.1993% | 5,003 |
| Noninterest income to average assets | 1.0748% | 1,268 |
| Noninterest expense to average assets | 3.4817% | 1,649 |
| Loan and lease loss provision to assets | 0.0138% | 4,726 |
| Net operating income to assets | 0.3273% | 5,501 |
| Return on assets (ROA) | 0.4237% | 5,291 |
| Pretax return on assets | 0.4783% | 5,425 |
| Return on Equity (ROE) | 3.8367% | 5,293 |
| Retained earnings to average equity (ytd only) | 1.3689% | 5,435 |
| Net charge-offs to loans | 0.2850% | 2,116 |
| Credit loss provision to net charge-offs | 8.0827% | 4,238 |
| Earnings coverage of net charge-offs (x) | 2.2491% | 4,094 |
| Efficiency ratio | 89.7756% | 1,015 |
| Assets per employee ($millions) | 3.5937% | 4,661 |
| Cash dividends to net income (ytd only)* | 64.3209% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7416% | 2,482 |
| Loan loss allowance to noncurrent loans | 31.3120% | 5,935 |
| Noncurrent assets plus other real estate owned to assets | 5.4386% | 486 |
| Noncurrent loans to loans | 5.5621% | 490 |
| Net loans and leases to total assets | 58.1593% | 3,987 |
| Net loans and leases to deposits | 79.5827% | 2,467 |
| Net loans and leases to core deposits | 90.1984% | 1,948 |
| Total domestic deposits to total assets | 73.0804% | 6,431 |
| Equity capital to assets | 10.4959% | 3,279 |
| Core capital (leverage) ratio | 9.7909% | 3,970 |
| Tier 1 risk-based capital ratio | 13.3594% | 4,866 |
| Total risk-based capital ratio | 14.6122% | 4,796 |
| Memoranda: | ||
| Average total assets | $831,607,500 | 798 |
| Average earning assets | $725,358,000 | 843 |
| Average equity | $91,847,250 | 768 |
| Average total loans | $497,775,500 | 852 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6026% | 5,423 |
| Cost of funding earning assets | 0.4371% | 4,583 |
| Net interest margin | 3.1654% | 5,067 |
| Noninterest income to average assets | 1.1576% | 1,137 |
| Noninterest expense to average assets | 3.5956% | 1,416 |
| Loan and lease loss provision to assets | 0.0129% | 4,625 |
| Net operating income to assets | 0.2713% | 5,708 |
| Return on assets (ROA) | 0.3609% | 5,539 |
| Pretax return on assets | 0.4048% | 5,630 |
| Return on Equity (ROE) | 3.2117% | 5,539 |
| Retained earnings to average equity (ytd only) | 3.2117% | 4,264 |
| Net charge-offs to loans | 0.4180% | 1,543 |
| Credit loss provision to net charge-offs | 5.1456% | 3,955 |
| Earnings coverage of net charge-offs (x) | 1.2621% | 4,124 |
| Efficiency ratio | 91.5981% | 926 |
| Assets per employee ($millions) | 3.5181% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7890% | 2,467 |
| Loan loss allowance to noncurrent loans | 30.3223% | 6,004 |
| Noncurrent assets plus other real estate owned to assets | 5.7038% | 501 |
| Noncurrent loans to loans | 5.9000% | 495 |
| Net loans and leases to total assets | 59.2884% | 3,780 |
| Net loans and leases to deposits | 78.0645% | 2,566 |
| Net loans and leases to core deposits | 86.6215% | 2,270 |
| Total domestic deposits to total assets | 75.9479% | 6,253 |
| Equity capital to assets | 11.0316% | 2,721 |
| Core capital (leverage) ratio | 10.0649% | 3,425 |
| Tier 1 risk-based capital ratio | 14.0355% | 4,396 |
| Total risk-based capital ratio | 15.2893% | 4,355 |
| Memoranda: | ||
| Average total assets | $820,119,670 | 812 |
| Average earning assets | $713,771,000 | 858 |
| Average equity | $92,162,330 | 766 |
| Average total loans | $492,824,330 | 858 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7356% | 5,033 |
| Cost of funding earning assets | 0.4550% | 4,538 |
| Net interest margin | 3.2806% | 4,584 |
| Noninterest income to average assets | 1.0362% | 1,376 |
| Noninterest expense to average assets | 3.6445% | 1,348 |
| Loan and lease loss provision to assets | 0.0103% | 4,322 |
| Net operating income to assets | 0.1949% | 5,910 |
| Return on assets (ROA) | 0.3648% | 5,419 |
| Pretax return on assets | 0.4334% | 5,457 |
| Return on Equity (ROE) | 3.2167% | 5,479 |
| Retained earnings to average equity (ytd only) | 3.2167% | 4,320 |
| Net charge-offs to loans | 1.0268% | 595 |
| Credit loss provision to net charge-offs | 1.6706% | 3,225 |
| Earnings coverage of net charge-offs (x) | 0.3922% | 3,682 |
| Efficiency ratio | 93.4846% | 875 |
| Assets per employee ($millions) | 3.6555% | 4,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7996% | 2,621 |
| Loan loss allowance to noncurrent loans | 33.8144% | 5,881 |
| Noncurrent assets plus other real estate owned to assets | 5.5684% | 612 |
| Noncurrent loans to loans | 5.3221% | 699 |
| Net loans and leases to total assets | 58.5613% | 3,684 |
| Net loans and leases to deposits | 72.1805% | 3,162 |
| Net loans and leases to core deposits | 77.3926% | 3,145 |
| Total domestic deposits to total assets | 81.1317% | 5,464 |
| Equity capital to assets | 11.4800% | 2,428 |
| Core capital (leverage) ratio | 9.9360% | 3,485 |
| Tier 1 risk-based capital ratio | 14.5316% | 4,151 |
| Total risk-based capital ratio | 15.7856% | 4,114 |
| Memoranda: | ||
| Average total assets | $816,799,000 | 820 |
| Average earning assets | $709,506,500 | 869 |
| Average equity | $92,641,000 | 770 |
| Average total loans | $489,685,500 | 865 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9339% | 5,482 |
| Cost of funding earning assets | 0.6420% | 3,992 |
| Net interest margin | 3.2919% | 5,266 |
| Noninterest income to average assets | 1.0106% | 1,504 |
| Noninterest expense to average assets | 3.6018% | 1,604 |
| Loan and lease loss provision to assets | 0.1531% | 3,699 |
| Net operating income to assets | 0.0951% | 6,016 |
| Return on assets (ROA) | 0.3792% | 5,414 |
| Pretax return on assets | 0.4487% | 5,428 |
| Return on Equity (ROE) | 3.5413% | 5,334 |
| Retained earnings to average equity (ytd only) | 3.5413% | 3,726 |
| Net charge-offs to loans | 0.0473% | 5,255 |
| Credit loss provision to net charge-offs | 559.7403% | 440 |
| Earnings coverage of net charge-offs (x) | 9.7835% | 2,223 |
| Efficiency ratio | 92.7868% | 872 |
| Assets per employee ($millions) | 3.7195% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9907% | 2,036 |
| Loan loss allowance to noncurrent loans | 37.1109% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 5.6158% | 656 |
| Noncurrent loans to loans | 5.3643% | 704 |
| Net loans and leases to total assets | 59.0625% | 3,781 |
| Net loans and leases to deposits | 77.6923% | 2,574 |
| Net loans and leases to core deposits | 83.9525% | 2,559 |
| Total domestic deposits to total assets | 76.0211% | 6,349 |
| Equity capital to assets | 11.2069% | 2,727 |
| Core capital (leverage) ratio | 9.6894% | 3,823 |
| Tier 1 risk-based capital ratio | 14.0471% | 4,351 |
| Total risk-based capital ratio | 15.3033% | 4,307 |
| Memoranda: | ||
| Average total assets | $844,472,400 | 777 |
| Average earning assets | $733,371,600 | 816 |
| Average equity | $90,419,000 | 770 |
| Average total loans | $487,881,200 | 845 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8829% | 5,825 |
| Cost of funding earning assets | 0.6750% | 3,976 |
| Net interest margin | 3.2079% | 5,683 |
| Noninterest income to average assets | 0.8303% | 2,122 |
| Noninterest expense to average assets | 3.5163% | 1,720 |
| Loan and lease loss provision to assets | 0.1730% | 3,403 |
| Net operating income to assets | -0.0590% | 6,353 |
| Return on assets (ROA) | 0.3161% | 5,761 |
| Pretax return on assets | 0.3706% | 5,787 |
| Return on Equity (ROE) | 2.9858% | 5,685 |
| Retained earnings to average equity (ytd only) | 2.9858% | 4,766 |
| Net charge-offs to loans | 0.0527% | 4,919 |
| Credit loss provision to net charge-offs | 573.9583% | 458 |
| Earnings coverage of net charge-offs (x) | 3.3959% | 3,663 |
| Efficiency ratio | 96.8543% | 644 |
| Assets per employee ($millions) | 3.9039% | 4,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9475% | 2,333 |
| Loan loss allowance to noncurrent loans | 31.8529% | 6,045 |
| Noncurrent assets plus other real estate owned to assets | 6.2137% | 628 |
| Noncurrent loans to loans | 6.1140% | 659 |
| Net loans and leases to total assets | 58.5104% | 4,041 |
| Net loans and leases to deposits | 78.2205% | 2,632 |
| Net loans and leases to core deposits | 84.9025% | 2,588 |
| Total domestic deposits to total assets | 74.8019% | 6,537 |
| Equity capital to assets | 10.8873% | 3,399 |
| Core capital (leverage) ratio | 9.4208% | 4,391 |
| Tier 1 risk-based capital ratio | 13.5222% | 4,867 |
| Total risk-based capital ratio | 14.7772% | 4,824 |
| Memoranda: | ||
| Average total assets | $849,156,750 | 778 |
| Average earning assets | $738,118,500 | 816 |
| Average equity | $89,889,000 | 778 |
| Average total loans | $485,450,000 | 854 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8447% | 6,042 |
| Cost of funding earning assets | 0.7282% | 3,782 |
| Net interest margin | 3.1165% | 5,957 |
| Noninterest income to average assets | 0.8791% | 1,863 |
| Noninterest expense to average assets | 3.4966% | 1,794 |
| Loan and lease loss provision to assets | 0.1621% | 3,486 |
| Net operating income to assets | -0.0634% | 6,396 |
| Return on assets (ROA) | 0.2818% | 5,870 |
| Pretax return on assets | 0.3217% | 5,919 |
| Return on Equity (ROE) | 2.6870% | 5,813 |
| Retained earnings to average equity (ytd only) | 2.6870% | 4,833 |
| Net charge-offs to loans | 0.1066% | 4,117 |
| Credit loss provision to net charge-offs | 269.9219% | 1,074 |
| Earnings coverage of net charge-offs (x) | 1.5234% | 4,229 |
| Efficiency ratio | 97.1359% | 651 |
| Assets per employee ($millions) | 3.9407% | 3,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8642% | 2,662 |
| Loan loss allowance to noncurrent loans | 32.5111% | 6,039 |
| Noncurrent assets plus other real estate owned to assets | 5.9853% | 712 |
| Noncurrent loans to loans | 5.7340% | 788 |
| Net loans and leases to total assets | 56.6015% | 4,383 |
| Net loans and leases to deposits | 76.0531% | 2,984 |
| Net loans and leases to core deposits | 82.5603% | 2,890 |
| Total domestic deposits to total assets | 74.4236% | 6,645 |
| Equity capital to assets | 10.4121% | 3,793 |
| Core capital (leverage) ratio | 9.1412% | 4,701 |
| Tier 1 risk-based capital ratio | 13.0113% | 5,180 |
| Total risk-based capital ratio | 14.2651% | 5,149 |
| Memoranda: | ||
| Average total assets | $852,433,000 | 778 |
| Average earning assets | $740,960,670 | 812 |
| Average equity | $89,392,000 | 776 |
| Average total loans | $480,317,330 | 860 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8335% | 6,175 |
| Cost of funding earning assets | 0.8815% | 2,825 |
| Net interest margin | 2.9520% | 6,384 |
| Noninterest income to average assets | 0.7843% | 2,239 |
| Noninterest expense to average assets | 3.5342% | 1,689 |
| Loan and lease loss provision to assets | 0.2333% | 2,613 |
| Net operating income to assets | -0.3547% | 6,737 |
| Return on assets (ROA) | 0.2229% | 6,057 |
| Pretax return on assets | 0.2625% | 6,055 |
| Return on Equity (ROE) | 2.1176% | 6,037 |
| Retained earnings to average equity (ytd only) | 2.1176% | 5,208 |
| Net charge-offs to loans | 0.0034% | 4,705 |
| Credit loss provision to net charge-offs | 12,350.0000% | 15 |
| Earnings coverage of net charge-offs (x) | -97.2500% | 4,721 |
| Efficiency ratio | 105.1437% | 428 |
| Assets per employee ($millions) | 3.8659% | 4,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9520% | 2,516 |
| Loan loss allowance to noncurrent loans | 27.6727% | 6,278 |
| Noncurrent assets plus other real estate owned to assets | 6.6538% | 665 |
| Noncurrent loans to loans | 7.0540% | 629 |
| Net loans and leases to total assets | 56.6703% | 4,263 |
| Net loans and leases to deposits | 69.1620% | 3,849 |
| Net loans and leases to core deposits | 75.2980% | 3,711 |
| Total domestic deposits to total assets | 81.9385% | 5,319 |
| Equity capital to assets | 10.8010% | 3,144 |
| Core capital (leverage) ratio | 9.0510% | 4,764 |
| Tier 1 risk-based capital ratio | 13.0450% | 5,181 |
| Total risk-based capital ratio | 14.2994% | 5,142 |
| Memoranda: | ||
| Average total assets | $847,147,500 | 786 |
| Average earning assets | $736,446,000 | 820 |
| Average equity | $89,159,500 | 780 |
| Average total loans | $471,600,000 | 874 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9495% | 6,549 |
| Cost of funding earning assets | 1.2104% | 1,961 |
| Net interest margin | 2.7391% | 6,896 |
| Noninterest income to average assets | 0.8887% | 1,711 |
| Noninterest expense to average assets | 3.5056% | 1,964 |
| Loan and lease loss provision to assets | 0.4413% | 2,389 |
| Net operating income to assets | -0.6584% | 6,581 |
| Return on assets (ROA) | -0.1665% | 6,296 |
| Pretax return on assets | -0.1665% | 6,258 |
| Return on Equity (ROE) | -1.7624% | 6,316 |
| Retained earnings to average equity (ytd only) | -1.7624% | 6,123 |
| Net charge-offs to loans | 2.7724% | 382 |
| Credit loss provision to net charge-offs | 31.2038% | 5,765 |
| Earnings coverage of net charge-offs (x) | -0.1535% | 5,928 |
| Efficiency ratio | 105.3520% | 529 |
| Assets per employee ($millions) | 3.9231% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9018% | 2,563 |
| Loan loss allowance to noncurrent loans | 26.5889% | 6,371 |
| Noncurrent assets plus other real estate owned to assets | 6.5780% | 716 |
| Noncurrent loans to loans | 7.1526% | 613 |
| Net loans and leases to total assets | 52.6173% | 5,213 |
| Net loans and leases to deposits | 64.2971% | 4,971 |
| Net loans and leases to core deposits | 73.7857% | 4,272 |
| Total domestic deposits to total assets | 81.8346% | 5,182 |
| Equity capital to assets | 10.2610% | 3,835 |
| Core capital (leverage) ratio | 8.0296% | 6,228 |
| Tier 1 risk-based capital ratio | 13.0325% | 5,043 |
| Total risk-based capital ratio | 14.2862% | 5,018 |
| Memoranda: | ||
| Average total assets | $956,235,400 | 681 |
| Average earning assets | $837,803,600 | 707 |
| Average equity | $90,329,000 | 747 |
| Average total loans | $487,801,600 | 854 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9576% | 6,653 |
| Cost of funding earning assets | 1.2004% | 2,314 |
| Net interest margin | 2.7572% | 6,935 |
| Noninterest income to average assets | 0.9425% | 1,508 |
| Noninterest expense to average assets | 3.4486% | 2,076 |
| Loan and lease loss provision to assets | 0.5285% | 1,870 |
| Net operating income to assets | -0.6150% | 6,705 |
| Return on assets (ROA) | -0.0484% | 6,315 |
| Pretax return on assets | -0.0484% | 6,278 |
| Return on Equity (ROE) | -0.5220% | 6,321 |
| Retained earnings to average equity (ytd only) | -0.5220% | 6,076 |
| Net charge-offs to loans | 1.5338% | 942 |
| Credit loss provision to net charge-offs | 68.3283% | 4,539 |
| Earnings coverage of net charge-offs (x) | -0.1119% | 5,672 |
| Efficiency ratio | 101.2969% | 624 |
| Assets per employee ($millions) | 3.8859% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3727% | 624 |
| Loan loss allowance to noncurrent loans | 47.2393% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 5.9345% | 905 |
| Noncurrent loans to loans | 7.1396% | 688 |
| Net loans and leases to total assets | 49.0026% | 5,833 |
| Net loans and leases to deposits | 57.4223% | 5,899 |
| Net loans and leases to core deposits | 66.2536% | 5,382 |
| Total domestic deposits to total assets | 85.3373% | 3,593 |
| Equity capital to assets | 9.5751% | 4,972 |
| Core capital (leverage) ratio | 8.0109% | 6,386 |
| Tier 1 risk-based capital ratio | 12.9305% | 5,146 |
| Total risk-based capital ratio | 14.1995% | 5,102 |
| Memoranda: | ||
| Average total assets | $978,545,500 | 677 |
| Average earning assets | $858,719,000 | 692 |
| Average equity | $90,670,750 | 748 |
| Average total loans | $493,493,750 | 857 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0886% | 6,517 |
| Cost of funding earning assets | 1.2056% | 2,538 |
| Net interest margin | 2.8831% | 6,824 |
| Noninterest income to average assets | 0.9510% | 1,462 |
| Noninterest expense to average assets | 3.4206% | 2,206 |
| Loan and lease loss provision to assets | 0.1823% | 4,096 |
| Net operating income to assets | -0.0995% | 6,349 |
| Return on assets (ROA) | 0.3373% | 5,358 |
| Pretax return on assets | 0.4290% | 5,300 |
| Return on Equity (ROE) | 3.6799% | 5,077 |
| Retained earnings to average equity (ytd only) | 3.6799% | 3,882 |
| Net charge-offs to loans | 1.3038% | 1,175 |
| Credit loss provision to net charge-offs | 27.7812% | 5,024 |
| Earnings coverage of net charge-offs (x) | 0.0890% | 5,223 |
| Efficiency ratio | 97.0967% | 829 |
| Assets per employee ($millions) | 3.7562% | 4,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2544% | 721 |
| Loan loss allowance to noncurrent loans | 90.5296% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 4.8112% | 1,290 |
| Noncurrent loans to loans | 3.5948% | 1,963 |
| Net loans and leases to total assets | 48.3143% | 6,020 |
| Net loans and leases to deposits | 56.7045% | 6,072 |
| Net loans and leases to core deposits | 64.8541% | 5,625 |
| Total domestic deposits to total assets | 85.2037% | 3,781 |
| Equity capital to assets | 9.5116% | 4,800 |
| Core capital (leverage) ratio | 8.0220% | 6,274 |
| Tier 1 risk-based capital ratio | 13.1234% | 4,820 |
| Total risk-based capital ratio | 14.3908% | 4,789 |
| Memoranda: | ||
| Average total assets | $986,086,000 | 681 |
| Average earning assets | $864,639,330 | 697 |
| Average equity | $90,384,000 | 753 |
| Average total loans | $496,399,000 | 871 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1197% | 6,467 |
| Cost of funding earning assets | 1.2269% | 2,646 |
| Net interest margin | 2.8928% | 6,771 |
| Noninterest income to average assets | 0.9880% | 1,363 |
| Noninterest expense to average assets | 3.4459% | 2,155 |
| Loan and lease loss provision to assets | 0.0234% | 5,667 |
| Net operating income to assets | 0.0404% | 6,254 |
| Return on assets (ROA) | 0.4795% | 4,658 |
| Pretax return on assets | 0.6399% | 4,536 |
| Return on Equity (ROE) | 5.3298% | 4,223 |
| Retained earnings to average equity (ytd only) | 5.3298% | 2,984 |
| Net charge-offs to loans | 2.5092% | 457 |
| Credit loss provision to net charge-offs | 1.8430% | 4,460 |
| Earnings coverage of net charge-offs (x) | 0.0613% | 4,546 |
| Efficiency ratio | 96.5923% | 891 |
| Assets per employee ($millions) | 3.8054% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0599% | 862 |
| Loan loss allowance to noncurrent loans | 81.0888% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 5.0979% | 1,232 |
| Noncurrent loans to loans | 3.7736% | 1,948 |
| Net loans and leases to total assets | 48.2189% | 6,055 |
| Net loans and leases to deposits | 56.0966% | 6,113 |
| Net loans and leases to core deposits | 63.9816% | 5,730 |
| Total domestic deposits to total assets | 85.9568% | 3,547 |
| Equity capital to assets | 9.0592% | 5,114 |
| Core capital (leverage) ratio | 7.6961% | 6,561 |
| Tier 1 risk-based capital ratio | 12.5538% | 5,213 |
| Total risk-based capital ratio | 13.8188% | 5,176 |
| Memoranda: | ||
| Average total assets | $992,707,000 | 677 |
| Average earning assets | $870,151,500 | 698 |
| Average equity | $89,309,500 | 753 |
| Average total loans | $501,681,500 | 874 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1586% | 6,979 |
| Cost of funding earning assets | 1.4648% | 2,859 |
| Net interest margin | 2.6938% | 7,127 |
| Noninterest income to average assets | 0.8380% | 2,107 |
| Noninterest expense to average assets | 3.2061% | 3,068 |
| Loan and lease loss provision to assets | 1.1769% | 1,338 |
| Net operating income to assets | -0.6142% | 6,460 |
| Return on assets (ROA) | -0.3701% | 6,309 |
| Pretax return on assets | -0.7399% | 6,482 |
| Return on Equity (ROE) | -4.2222% | 6,372 |
| Retained earnings to average equity (ytd only) | -4.2222% | 6,221 |
| Net charge-offs to loans | 2.7438% | 650 |
| Credit loss provision to net charge-offs | 77.9785% | 5,635 |
| Earnings coverage of net charge-offs (x) | 0.0368% | 6,083 |
| Efficiency ratio | 97.0816% | 917 |
| Assets per employee ($millions) | 3.8162% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5499% | 579 |
| Loan loss allowance to noncurrent loans | 64.4850% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 5.3212% | 1,170 |
| Noncurrent loans to loans | 5.5050% | 1,195 |
| Net loans and leases to total assets | 49.5052% | 6,212 |
| Net loans and leases to deposits | 57.7918% | 6,275 |
| Net loans and leases to core deposits | 66.1986% | 5,857 |
| Total domestic deposits to total assets | 85.6612% | 3,519 |
| Equity capital to assets | 8.9344% | 5,228 |
| Core capital (leverage) ratio | 7.3822% | 6,800 |
| Tier 1 risk-based capital ratio | 12.0454% | 5,431 |
| Total risk-based capital ratio | 13.3162% | 5,395 |
| Memoranda: | ||
| Average total assets | $1,060,015,600 | 636 |
| Average earning assets | $953,712,800 | 629 |
| Average equity | $92,913,000 | 717 |
| Average total loans | $583,068,600 | 768 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1635% | 7,135 |
| Cost of funding earning assets | 1.5185% | 2,855 |
| Net interest margin | 2.6449% | 7,278 |
| Noninterest income to average assets | 0.9929% | 1,481 |
| Noninterest expense to average assets | 3.0599% | 3,536 |
| Loan and lease loss provision to assets | 0.9530% | 1,566 |
| Net operating income to assets | -0.3313% | 6,458 |
| Return on assets (ROA) | -0.0107% | 6,147 |
| Pretax return on assets | -0.1264% | 6,255 |
| Return on Equity (ROE) | -0.1221% | 6,149 |
| Retained earnings to average equity (ytd only) | -0.1221% | 5,814 |
| Net charge-offs to loans | 1.6753% | 1,177 |
| Credit loss provision to net charge-offs | 101.8406% | 4,231 |
| Earnings coverage of net charge-offs (x) | 0.3480% | 5,677 |
| Efficiency ratio | 89.2285% | 1,347 |
| Assets per employee ($millions) | 4.1561% | 3,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9028% | 398 |
| Loan loss allowance to noncurrent loans | 47.5661% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 5.4927% | 1,124 |
| Noncurrent loans to loans | 8.2050% | 616 |
| Net loans and leases to total assets | 51.6850% | 6,139 |
| Net loans and leases to deposits | 61.4683% | 6,172 |
| Net loans and leases to core deposits | 70.6035% | 5,688 |
| Total domestic deposits to total assets | 84.0841% | 4,078 |
| Equity capital to assets | 9.2267% | 5,262 |
| Core capital (leverage) ratio | 7.9659% | 6,394 |
| Tier 1 risk-based capital ratio | 12.6997% | 4,814 |
| Total risk-based capital ratio | 13.9754% | 4,773 |
| Memoranda: | ||
| Average total assets | $1,076,014,750 | 618 |
| Average earning assets | $973,363,500 | 614 |
| Average equity | $93,894,250 | 714 |
| Average total loans | $601,028,500 | 738 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1990% | 7,172 |
| Cost of funding earning assets | 1.5793% | 2,774 |
| Net interest margin | 2.6196% | 7,331 |
| Noninterest income to average assets | 0.9940% | 1,393 |
| Noninterest expense to average assets | 2.9540% | 3,878 |
| Loan and lease loss provision to assets | 0.7700% | 1,870 |
| Net operating income to assets | -0.3047% | 6,477 |
| Return on assets (ROA) | 0.1314% | 5,887 |
| Pretax return on assets | 0.1551% | 5,873 |
| Return on Equity (ROE) | 1.5337% | 5,791 |
| Retained earnings to average equity (ytd only) | 1.5337% | 5,103 |
| Net charge-offs to loans | 1.1732% | 1,620 |
| Credit loss provision to net charge-offs | 116.1308% | 3,498 |
| Earnings coverage of net charge-offs (x) | 0.6214% | 5,119 |
| Efficiency ratio | 86.6135% | 1,639 |
| Assets per employee ($millions) | 4.1917% | 3,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7420% | 454 |
| Loan loss allowance to noncurrent loans | 55.5395% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 4.7978% | 1,351 |
| Noncurrent loans to loans | 6.7376% | 867 |
| Net loans and leases to total assets | 53.5534% | 6,041 |
| Net loans and leases to deposits | 62.6203% | 6,176 |
| Net loans and leases to core deposits | 71.5989% | 5,716 |
| Total domestic deposits to total assets | 85.5207% | 3,364 |
| Equity capital to assets | 9.1081% | 5,282 |
| Core capital (leverage) ratio | 7.9368% | 6,342 |
| Tier 1 risk-based capital ratio | 12.5198% | 4,842 |
| Total risk-based capital ratio | 13.7941% | 4,794 |
| Memoranda: | ||
| Average total assets | $1,088,343,000 | 607 |
| Average earning assets | $985,478,670 | 607 |
| Average equity | $93,236,330 | 708 |
| Average total loans | $615,093,670 | 728 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2480% | 7,208 |
| Cost of funding earning assets | 1.6427% | 2,693 |
| Net interest margin | 2.6053% | 7,387 |
| Noninterest income to average assets | 0.9489% | 1,456 |
| Noninterest expense to average assets | 2.8934% | 4,086 |
| Loan and lease loss provision to assets | 0.1843% | 4,666 |
| Net operating income to assets | 0.1620% | 5,817 |
| Return on assets (ROA) | 0.8258% | 2,950 |
| Pretax return on assets | 1.2261% | 2,278 |
| Return on Equity (ROE) | 9.9455% | 2,122 |
| Retained earnings to average equity (ytd only) | 9.9455% | 1,151 |
| Net charge-offs to loans | -0.3134% | 7,751 |
| Credit loss provision to net charge-offs | -103.2653% | 6,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1792% | 1,774 |
| Assets per employee ($millions) | 4.4479% | 3,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6739% | 480 |
| Loan loss allowance to noncurrent loans | 57.3906% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 4.0043% | 1,713 |
| Noncurrent loans to loans | 6.4016% | 984 |
| Net loans and leases to total assets | 53.6604% | 6,071 |
| Net loans and leases to deposits | 62.8539% | 6,188 |
| Net loans and leases to core deposits | 71.2971% | 5,797 |
| Total domestic deposits to total assets | 85.3732% | 3,474 |
| Equity capital to assets | 8.6835% | 5,753 |
| Core capital (leverage) ratio | 7.7980% | 6,507 |
| Tier 1 risk-based capital ratio | 12.2536% | 4,939 |
| Total risk-based capital ratio | 13.5277% | 4,888 |
| Memoranda: | ||
| Average total assets | $1,098,074,000 | 618 |
| Average earning assets | $996,413,500 | 612 |
| Average equity | $91,177,000 | 722 |
| Average total loans | $625,303,000 | 734 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9265% | 6,648 |
| Cost of funding earning assets | 2.0755% | 2,598 |
| Net interest margin | 2.8510% | 6,961 |
| Noninterest income to average assets | 0.9675% | 1,673 |
| Noninterest expense to average assets | 3.7627% | 1,766 |
| Loan and lease loss provision to assets | 1.7923% | 1,268 |
| Net operating income to assets | -1.3927% | 6,809 |
| Return on assets (ROA) | -1.1183% | 6,666 |
| Pretax return on assets | -1.5895% | 6,749 |
| Return on Equity (ROE) | -14.5595% | 6,913 |
| Retained earnings to average equity (ytd only) | -14.5595% | 6,858 |
| Net charge-offs to loans | 1.6136% | 1,565 |
| Credit loss provision to net charge-offs | 189.8699% | 2,111 |
| Earnings coverage of net charge-offs (x) | -0.2005% | 6,441 |
| Efficiency ratio | 94.2447% | 1,400 |
| Assets per employee ($millions) | 4.1709% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4201% | 564 |
| Loan loss allowance to noncurrent loans | 49.8757% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 4.4198% | 1,467 |
| Noncurrent loans to loans | 6.8573% | 835 |
| Net loans and leases to total assets | 56.2147% | 5,919 |
| Net loans and leases to deposits | 65.3583% | 6,127 |
| Net loans and leases to core deposits | 74.6350% | 6,497 |
| Total domestic deposits to total assets | 86.0101% | 3,015 |
| Equity capital to assets | 7.9166% | 6,656 |
| Core capital (leverage) ratio | 6.9585% | 7,273 |
| Tier 1 risk-based capital ratio | 10.2470% | 6,639 |
| Total risk-based capital ratio | 11.5163% | 6,594 |
| Memoranda: | ||
| Average total assets | $1,172,313,400 | 570 |
| Average earning assets | $1,071,549,600 | 567 |
| Average equity | $90,044,200 | 719 |
| Average total loans | $685,813,400 | 679 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0138% | 6,562 |
| Cost of funding earning assets | 2.2010% | 2,414 |
| Net interest margin | 2.8128% | 7,034 |
| Noninterest income to average assets | 0.9774% | 1,679 |
| Noninterest expense to average assets | 3.3090% | 2,880 |
| Loan and lease loss provision to assets | 1.2743% | 1,513 |
| Net operating income to assets | -0.5443% | 6,470 |
| Return on assets (ROA) | -0.2062% | 6,084 |
| Pretax return on assets | -0.5001% | 6,299 |
| Return on Equity (ROE) | -2.7029% | 6,201 |
| Retained earnings to average equity (ytd only) | -2.7029% | 5,877 |
| Net charge-offs to loans | 1.5638% | 1,307 |
| Credit loss provision to net charge-offs | 139.1241% | 3,550 |
| Earnings coverage of net charge-offs (x) | 0.2684% | 5,743 |
| Efficiency ratio | 91.7741% | 1,557 |
| Assets per employee ($millions) | 3.5923% | 4,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2929% | 1,306 |
| Loan loss allowance to noncurrent loans | 62.2987% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 2.6430% | 2,630 |
| Noncurrent loans to loans | 3.6805% | 2,029 |
| Net loans and leases to total assets | 58.4616% | 5,815 |
| Net loans and leases to deposits | 69.3511% | 5,996 |
| Net loans and leases to core deposits | 79.3774% | 6,398 |
| Total domestic deposits to total assets | 84.2979% | 3,581 |
| Equity capital to assets | 8.8591% | 5,692 |
| Core capital (leverage) ratio | 7.9329% | 6,466 |
| Tier 1 risk-based capital ratio | 11.4303% | 5,496 |
| Total risk-based capital ratio | 12.6893% | 5,438 |
| Memoranda: | ||
| Average total assets | $1,193,238,750 | 573 |
| Average earning assets | $1,093,405,000 | 568 |
| Average equity | $91,010,000 | 715 |
| Average total loans | $698,859,000 | 684 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0897% | 6,477 |
| Cost of funding earning assets | 2.3650% | 2,100 |
| Net interest margin | 2.7247% | 7,152 |
| Noninterest income to average assets | 0.8533% | 2,167 |
| Noninterest expense to average assets | 3.0610% | 3,835 |
| Loan and lease loss provision to assets | 0.6563% | 2,460 |
| Net operating income to assets | -0.3408% | 6,378 |
| Return on assets (ROA) | 0.1653% | 5,468 |
| Pretax return on assets | 0.1462% | 5,574 |
| Return on Equity (ROE) | 2.2757% | 5,190 |
| Retained earnings to average equity (ytd only) | 2.2757% | 4,070 |
| Net charge-offs to loans | 1.5729% | 1,200 |
| Credit loss provision to net charge-offs | 71.6954% | 5,389 |
| Earnings coverage of net charge-offs (x) | 0.3238% | 5,351 |
| Efficiency ratio | 89.8385% | 1,831 |
| Assets per employee ($millions) | 3.7225% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 3,437 |
| Loan loss allowance to noncurrent loans | 36.7263% | 5,960 |
| Noncurrent assets plus other real estate owned to assets | 2.8774% | 2,224 |
| Noncurrent loans to loans | 3.9633% | 1,721 |
| Net loans and leases to total assets | 61.0351% | 5,513 |
| Net loans and leases to deposits | 71.9941% | 5,735 |
| Net loans and leases to core deposits | 84.7728% | 6,026 |
| Total domestic deposits to total assets | 84.7779% | 3,364 |
| Equity capital to assets | 8.1149% | 6,612 |
| Core capital (leverage) ratio | 6.8576% | 7,630 |
| Tier 1 risk-based capital ratio | 10.1697% | 6,746 |
| Total risk-based capital ratio | 11.4199% | 6,678 |
| Memoranda: | ||
| Average total assets | $1,228,158,000 | 575 |
| Average earning assets | $1,128,714,000 | 562 |
| Average equity | $89,203,330 | 739 |
| Average total loans | $714,720,000 | 691 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0987% | 6,651 |
| Cost of funding earning assets | 2.4936% | 1,941 |
| Net interest margin | 2.6052% | 7,361 |
| Noninterest income to average assets | 0.7065% | 2,846 |
| Noninterest expense to average assets | 2.5766% | 5,544 |
| Loan and lease loss provision to assets | 0.2200% | 4,251 |
| Net operating income to assets | 0.2215% | 5,596 |
| Return on assets (ROA) | 0.5090% | 4,564 |
| Pretax return on assets | 0.7140% | 4,386 |
| Return on Equity (ROE) | 7.3885% | 3,426 |
| Retained earnings to average equity (ytd only) | 7.3885% | 2,059 |
| Net charge-offs to loans | 0.6338% | 1,912 |
| Credit loss provision to net charge-offs | 61.3775% | 4,492 |
| Earnings coverage of net charge-offs (x) | 1.4760% | 3,999 |
| Efficiency ratio | 81.6078% | 2,593 |
| Assets per employee ($millions) | 3.6407% | 4,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5764% | 2,623 |
| Loan loss allowance to noncurrent loans | 46.0587% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 2.3845% | 2,397 |
| Noncurrent loans to loans | 3.4226% | 1,867 |
| Net loans and leases to total assets | 55.9231% | 6,248 |
| Net loans and leases to deposits | 68.9820% | 6,079 |
| Net loans and leases to core deposits | 81.7184% | 6,252 |
| Total domestic deposits to total assets | 81.0690% | 4,937 |
| Equity capital to assets | 7.1945% | 7,563 |
| Core capital (leverage) ratio | 6.2579% | 7,954 |
| Tier 1 risk-based capital ratio | 9.5392% | 7,397 |
| Total risk-based capital ratio | 10.7903% | 7,333 |
| Memoranda: | ||
| Average total assets | $1,280,143,000 | 552 |
| Average earning assets | $1,178,879,500 | 544 |
| Average equity | $88,191,500 | 749 |
| Average total loans | $723,938,000 | 688 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8924% | 6,072 |
| Cost of funding earning assets | 2.9867% | 1,916 |
| Net interest margin | 2.9057% | 7,144 |
| Noninterest income to average assets | 0.7911% | 2,569 |
| Noninterest expense to average assets | 3.0548% | 3,880 |
| Loan and lease loss provision to assets | 1.1553% | 1,263 |
| Net operating income to assets | -0.3858% | 6,805 |
| Return on assets (ROA) | -0.3841% | 6,685 |
| Pretax return on assets | -0.7503% | 6,848 |
| Return on Equity (ROE) | -5.4238% | 6,904 |
| Retained earnings to average equity (ytd only) | -5.6692% | 6,614 |
| Net charge-offs to loans | 1.2206% | 988 |
| Credit loss provision to net charge-offs | 156.0681% | 3,337 |
| Earnings coverage of net charge-offs (x) | 0.5434% | 5,905 |
| Efficiency ratio | 87.5974% | 1,710 |
| Assets per employee ($millions) | 3.7590% | 4,040 |
| Cash dividends to net income (ytd only)* | -4.5239% | 7,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 2,238 |
| Loan loss allowance to noncurrent loans | 51.1516% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 2.0907% | 2,357 |
| Noncurrent loans to loans | 3.1311% | 1,687 |
| Net loans and leases to total assets | 55.3908% | 6,504 |
| Net loans and leases to deposits | 70.4532% | 6,225 |
| Net loans and leases to core deposits | 83.4430% | 6,349 |
| Total domestic deposits to total assets | 78.6207% | 5,509 |
| Equity capital to assets | 6.5935% | 7,906 |
| Core capital (leverage) ratio | 6.0558% | 8,064 |
| Tier 1 risk-based capital ratio | 9.2532% | 7,568 |
| Total risk-based capital ratio | 10.5047% | 7,507 |
| Memoranda: | ||
| Average total assets | $1,150,978,000 | 578 |
| Average earning assets | $1,056,044,400 | 575 |
| Average equity | $81,511,200 | 817 |
| Average total loans | $697,990,400 | 680 |